IFSC Code of The Gujarat State Cooperative Bank Limited, Associate Co Op Bank Ltd Umarwada Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's ASSOCIATE CO OP BANK LTD UMARWADA branch in SURAT, GUJARAT. The branch's IFSC code GSCB0ASCB03 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, GSCB0ASCB03 is the IFSC of The Gujarat State Cooperative Bank Limited's ASSOCIATE CO OP BANK LTD UMARWADA branch. The format is fixed: GSCB = bank code, 0 = reserved, ASCB03 = branch identifier.

Branch details at a glance

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Associate Co Op Bank Ltd Umarwada branch — IFSC GSCB0ASCB03 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at 20 TO 23, SAI DARSHAN MARKET, BEHIND MILLENIUM MARKET, UMARWADA, SURAT. It serves the Surat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Gujarat State Cooperative Bank Limited. The IFSC GSCB0ASCB03 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Gujarat State Cooperative Bank Limited's ASSOCIATE CO OP BANK LTD UMARWADA branch came to be assigned the code GSCB0ASCB03.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC GSCB0ASCB03, money simply cannot be routed to the ASSOCIATE CO OP BANK LTD UMARWADA branch electronically.

How to transfer money using IFSC GSCB0ASCB03

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC GSCB0ASCB03 across all three.

How to use IFSC GSCB0ASCB03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Gujarat State Cooperative Bank Limited's ASSOCIATE CO OP BANK LTD UMARWADA branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC GSCB0ASCB03.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as ASSOCIATE CO OP BANK LTD UMARWADA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC GSCB0ASCB03

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Gujarat State Cooperative Bank Limited – ASSOCIATE CO OP BANK LTD UMARWADA, ensure your bank's portal accepts IFSC GSCB0ASCB03 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – ASSOCIATE CO OP BANK LTD UMARWADA, use IMPS. With IFSC GSCB0ASCB03 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC GSCB0ASCB03 for The Gujarat State Cooperative Bank Limited – ASSOCIATE CO OP BANK LTD UMARWADA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Associate Co Op Bank Ltd Umarwada branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC GSCB0ASCB03

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Gujarat State Cooperative Bank Limited – ASSOCIATE CO OP BANK LTD UMARWADA is still mapped to IFSC GSCB0ASCB03. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC GSCB0ASCB03 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Associate Co Op Bank Ltd Umarwada branch is mapped to IFSC GSCB0ASCB03 on the RBI payments network. The branch generally supports the full retail product catalogue of The Gujarat State Cooperative Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains GSCB0ASCB03.

Products and services

Customers walking into the Associate Co Op Bank Ltd Umarwada branch can access most of The Gujarat State Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC GSCB0ASCB03

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Gujarat State Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC GSCB0ASCB03 and the account number together uniquely identify the Associate Co Op Bank Ltd Umarwada branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Associate Co Op Bank Ltd Umarwada branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC GSCB0ASCB03 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC GSCB0ASCB03

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Gujarat State Cooperative Bank Limited – ASSOCIATE CO OP BANK LTD UMARWADA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: GSCB0ASCB03.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Associate Co Op Bank Ltd Umarwada branch sits at 20 TO 23, SAI DARSHAN MARKET, BEHIND MILLENIUM MARKET, UMARWADA, SURAT. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2322494 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC GSCB0ASCB03 and your account number.

Verifying IFSC GSCB0ASCB03 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm GSCB0ASCB03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2322494.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Associate Co Op Bank Ltd Umarwada are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to GSCB0ASCB03 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0ASCB03 is the IFSC code of The Gujarat State Cooperative Bank Limited, ASSOCIATE CO OP BANK LTD UMARWADA branch, in SURAT, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.