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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH branch in SURAT. The 11-digit IFSC GSCB0FINCO5 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Gujarat State Cooperative Bank Limited at the THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 BOMBAY MARKET BRANCH branch, the IFSC GSCB0FINCO5 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and FINCO5 identifies this particular branch.

About the bank

The Gujarat State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Financial Co-Oprative Bank Ltd Bombay Market Branch branch in Surat, Gujarat is part of this network and uses the IFSC code GSCB0FINCO5 for all electronic settlement.

Branch details at a glance

About the The Financial Co-Oprative Bank Ltd Bombay Market Branch branch

The The Financial Co-Oprative Bank Ltd Bombay Market Branch branch of The Gujarat State Cooperative Bank Limited is situated at L-C 434 TO 436, GATE NO-3, NEW BOMBAY MARKET, PUNA KUMBHARIYA ROAD, SURAT-395002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code GSCB0FINCO5 is used.

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 THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH branch came to be assigned the code GSCB0FINCO5.

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 GSCB0FINCO5, money simply cannot be routed to the THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH branch electronically.

Products and account variants supported

Every account opened at the The Financial Co-Oprative Bank Ltd Bombay Market Branch branch is mapped to IFSC GSCB0FINCO5 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 GSCB0FINCO5.

Products and services

Customers walking into the The Financial Co-Oprative Bank Ltd Bombay Market 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 GSCB0FINCO5

How to transfer money using IFSC GSCB0FINCO5

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 GSCB0FINCO5 across all three.

How to use IFSC GSCB0FINCO5 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 BOMBAY MARKET 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 GSCB0FINCO5.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET 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 BOMBAY MARKET 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 BOMBAY MARKET BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0FINCO5 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH (IFSC GSCB0FINCO5)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0FINCO5 in your mobile or internet banking app, and the money is credited to the THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH branch account within seconds.

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

All three modes accept the IFSC GSCB0FINCO5 for The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH, 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 The Financial Co-Oprative Bank Ltd Bombay Market Branch 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 GSCB0FINCO5

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 – THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH is still mapped to IFSC GSCB0FINCO5. 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 GSCB0FINCO5 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the The Financial Co-Oprative Bank Ltd Bombay Market 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 GSCB0FINCO5 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.

MICR & cheque-truncation details

Cheques drawn on the The Financial Co-Oprative Bank Ltd Bombay Market Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0FINCO5 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 BOMBAY MARKET BRANCH:

• The IFSC is exactly GSCB0FINCO5 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 BOMBAY MARKET 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.

Reaching the branch

The The Financial Co-Oprative Bank Ltd Bombay Market Branch branch sits at L-C 434 TO 436, GATE NO-3, NEW BOMBAY MARKET, PUNA KUMBHARIYA 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 261-2328400 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 GSCB0FINCO5 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0FINCO5 for The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Bombay Market Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0FINCO5, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0FINCO5 belongs to The Gujarat State Cooperative Bank Limited's THE FINANCIAL CO-OPRATIVE BANK LTD BOMBAY MARKET BRANCH branch, located at L-C 434 TO 436, GATE NO-3, NEW BOMBAY MARKET, PUNA KUMBHARIYA ROAD, SURAT-395002 in SURAT, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.