Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0FINCO2. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case GSCB0FINCO2 for The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE is GSCB0FINCO2. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters FINCO2 map to this branch in SURAT, GUJARAT.
About The Gujarat State Cooperative Bank Limited
The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Financial Co-Oprative Bank Ltd Head Office branch in Surat. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, GSCB0FINCO2.
About the The Financial Co-Oprative Bank Ltd Head Office branch
The The Financial Co-Oprative Bank Ltd Head Office branch of The Gujarat State Cooperative Bank Limited is situated at SHOP NO-3044-47, 3RD FLOOR, ABHISHEK MARKET, NEAR MAHAVIR MARKET, RING 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 GSCB0FINCO2 is used.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Financial Co-Oprative Bank Ltd Head Office |
| IFSC Code | GSCB0FINCO2 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOP NO-3044-47, 3RD FLOOR, ABHISHEK MARKET, NEAR MAHAVIR MARKET, RING ROAD, SURAT-395002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 2360433 |
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 HEAD OFFICE branch came to be assigned the code GSCB0FINCO2.
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 GSCB0FINCO2, money simply cannot be routed to the THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE branch electronically.
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 GSCB0FINCO2 and the account number together uniquely identify the The Financial Co-Oprative Bank Ltd Head Office branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC GSCB0FINCO2
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 GSCB0FINCO2 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE using IFSC GSCB0FINCO2
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC GSCB0FINCO2, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE
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 HEAD OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0FINCO2 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 HEAD OFFICE, use IMPS. With IFSC GSCB0FINCO2 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 Head Office
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 GSCB0FINCO2:
- 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 HEAD OFFICE is still linked to IFSC GSCB0FINCO2.
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 HEAD OFFICE branch, the IFSC GSCB0FINCO2 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 Head Office branch
Once you have an account at The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE, the IFSC GSCB0FINCO2 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.
Banking services available
The The Financial Co-Oprative Bank Ltd Head Office branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2360433.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC GSCB0FINCO2
Digital banking channels
Most day-to-day work that customers used to do at the The Financial Co-Oprative Bank Ltd Head Office 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 GSCB0FINCO2 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.
How to reach the The Financial Co-Oprative Bank Ltd Head Office branch
The branch is located at SHOP NO-3044-47, 3RD FLOOR, ABHISHEK MARKET, NEAR MAHAVIR MARKET, RING ROAD, SURAT-395002, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Head Office branch” — the verified location pin for IFSC GSCB0FINCO2 should appear at the top of the results.
- Confirm the branch is open by calling 261-2360433 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC GSCB0FINCO2 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 HEAD OFFICE:
- The IFSC is exactly GSCB0FINCO2 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 HEAD OFFICE 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 Head Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0FINCO2, however, work 24x7.
Verifying IFSC GSCB0FINCO2 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 GSCB0FINCO2 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 261-2360433.
- Visiting the bank's official branch locator page.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Financial Co-Oprative Bank Ltd Head Office Branch
SHOP NO-3044-47, 3RD FLOOR, ABHISHEK MARKET, NEAR MAHAVIR MARKET, RING ROAD, SURAT-395002
Surat, Gujarat
Phone: 261-2360433
IFSC: GSCB0FINCO2
Frequently asked questions
What is the IFSC code of The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Head Office branch?
The IFSC code of The Gujarat State Cooperative Bank Limited, The Financial Co-Oprative Bank Ltd Head Office branch is GSCB0FINCO2. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using GSCB0FINCO2 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Gujarat State Cooperative Bank Limited – The Financial Co-Oprative Bank Ltd Head Office reflect within 30 minutes.
Is IFSC GSCB0FINCO2 valid for NEFT and RTGS?
Yes. IFSC GSCB0FINCO2 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Head Office branch located?
The Gujarat State Cooperative Bank Limited's The Financial Co-Oprative Bank Ltd Head Office branch is located at SHOP NO-3044-47, 3RD FLOOR, ABHISHEK MARKET, NEAR MAHAVIR MARKET, RING ROAD, SURAT-395002, Surat, Gujarat.
How do I add The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Head Office as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0FINCO2, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the The Financial Co-Oprative Bank Ltd Head Office branch but serve different purposes.
What is the phone number of The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Head Office branch?
You can reach the branch at 261-2360433 during regular banking hours.
Final notes
To recap: GSCB0FINCO2 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE FINANCIAL CO-OPRATIVE BANK LTD HEAD OFFICE 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.
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