IFSC Code of The Gujarat State Cooperative Bank Limited, The Financial Co-Oprative Bank Ltd Begumpura Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH branch in SURAT, GUJARAT. The branch's IFSC code GSCB0FINCO4 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Gujarat State Cooperative Bank Limited's THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH branch, the IFSC GSCB0FINCO4 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and FINCO4 identifies this particular branch.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The The Financial Co-Oprative Bank Ltd Begumpura Branch branch — IFSC GSCB0FINCO4 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at C-372-377, KOHINOOR TEXTILE MARKET, RING ROAD, SURAT-395002. 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 GSCB0FINCO4 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every The Gujarat State Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0FINCO4 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC GSCB0FINCO4 the same way you would treat your account number — verify it once and save it carefully for future use.

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 GSCB0FINCO4 and the account number together uniquely identify the The Financial Co-Oprative Bank Ltd Begumpura Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0FINCO4

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 GSCB0FINCO4 across all three.

How to use IFSC GSCB0FINCO4 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 THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH 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 GSCB0FINCO4.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0FINCO4 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH, use IMPS. With IFSC GSCB0FINCO4 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to The Financial Co-Oprative Bank Ltd Begumpura Branch

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC GSCB0FINCO4:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH is still linked to IFSC GSCB0FINCO4.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Gujarat State Cooperative Bank Limited's THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH branch, the IFSC GSCB0FINCO4 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the The Financial Co-Oprative Bank Ltd Begumpura Branch branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH, the IFSC GSCB0FINCO4 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the The Financial Co-Oprative Bank Ltd Begumpura Branch 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 GSCB0FINCO4

Digital banking channels

Most day-to-day work that customers used to do at the The Financial Co-Oprative Bank Ltd Begumpura Branch 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 GSCB0FINCO4 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.

Reaching the branch

The The Financial Co-Oprative Bank Ltd Begumpura Branch branch sits at C-372-377, KOHINOOR TEXTILE MARKET, RING ROAD, SURAT-395002. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2363528 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 GSCB0FINCO4 and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH:

• The IFSC is exactly GSCB0FINCO4 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Gujarat State Cooperative Bank Limited as the bank name and THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The The Financial Co-Oprative Bank Ltd Begumpura Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0FINCO4, however, work 24x7.

Verifying IFSC GSCB0FINCO4 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 GSCB0FINCO4 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2363528.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0FINCO4 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE FINANCIAL CO-OPRATIVE BANK LTD BEGUMPURA BRANCH 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.