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 SALABATPURA BRANCH branch in SURAT. The 11-digit IFSC GSCB0FINCO3 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 SALABATPURA 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.
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, GSCB0FINCO3 is the IFSC of The Gujarat State Cooperative Bank Limited's THE FINANCIAL CO-OPRATIVE BANK LTD SALABATPURA BRANCH branch. The format is fixed: GSCB = bank code, 0 = reserved, FINCO3 = branch identifier.
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 Salabatpura Branch branch — IFSC GSCB0FINCO3 — extends the bank's services to customers in and around Surat, Gujarat.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Financial Co-Oprative Bank Ltd Salabatpura Branch |
| IFSC Code | GSCB0FINCO3 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PRATIK HOUSE, NEAR ARIHANT AAVAS, BEHIND RKT MARKET, RING ROAD, SURAT-395002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 2342825 |
About this branch
The branch is located at PRATIK HOUSE, NEAR ARIHANT AAVAS, BEHIND RKT 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 GSCB0FINCO3 is used to identify this branch on the RBI payments network.
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 SALABATPURA BRANCH of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0FINCO3 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 GSCB0FINCO3 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the The Financial Co-Oprative Bank Ltd Salabatpura Branch branch
Once you have an account at The Gujarat State Cooperative Bank Limited – THE FINANCIAL CO-OPRATIVE BANK LTD SALABATPURA BRANCH, the IFSC GSCB0FINCO3 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 Salabatpura Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2342825.
- 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 GSCB0FINCO3
How to transfer money using IFSC GSCB0FINCO3
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 GSCB0FINCO3 across all three.
How to use IFSC GSCB0FINCO3 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 SALABATPURA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC GSCB0FINCO3.
- Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE FINANCIAL CO-OPRATIVE BANK LTD SALABATPURA BRANCH.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC GSCB0FINCO3
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 – THE FINANCIAL CO-OPRATIVE BANK LTD SALABATPURA BRANCH, ensure your bank's portal accepts IFSC GSCB0FINCO3 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 – THE FINANCIAL CO-OPRATIVE BANK LTD SALABATPURA BRANCH, use IMPS. With IFSC GSCB0FINCO3 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 Salabatpura 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 GSCB0FINCO3:
- 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 SALABATPURA BRANCH is still linked to IFSC GSCB0FINCO3.
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.
UPI payments and IFSC GSCB0FINCO3
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 SALABATPURA BRANCH is still mapped to IFSC GSCB0FINCO3. 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 GSCB0FINCO3 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 Salabatpura 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 GSCB0FINCO3 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 Salabatpura Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0FINCO3 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 SALABATPURA BRANCH:
- The IFSC is exactly GSCB0FINCO3 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 SALABATPURA 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 Salabatpura Branch branch sits at PRATIK HOUSE, NEAR ARIHANT AAVAS, BEHIND RKT 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 261-2342825 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 GSCB0FINCO3 and your account number.
Verifying IFSC GSCB0FINCO3 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 GSCB0FINCO3 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 261-2342825.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at The Financial Co-Oprative Bank Ltd Salabatpura Branch 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 GSCB0FINCO3 continue to work without interruption.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Financial Co-Oprative Bank Ltd Salabatpura Branch Branch
PRATIK HOUSE, NEAR ARIHANT AAVAS, BEHIND RKT MARKET, RING ROAD, SURAT-395002
Surat, Gujarat
Phone: 261-2342825
IFSC: GSCB0FINCO3
Frequently asked questions
What is the phone number of The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Salabatpura Branch branch?
You can reach the branch at 261-2342825 during regular banking hours.
How do I add The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Salabatpura Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0FINCO3, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Salabatpura Branch branch?
The IFSC code of The Gujarat State Cooperative Bank Limited, The Financial Co-Oprative Bank Ltd Salabatpura Branch branch is GSCB0FINCO3. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using GSCB0FINCO3 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 Salabatpura Branch reflect within 30 minutes.
Is IFSC GSCB0FINCO3 the same for all accounts at The Financial Co-Oprative Bank Ltd Salabatpura Branch branch?
Yes. The IFSC GSCB0FINCO3 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Financial Co-Oprative Bank Ltd Salabatpura Branch branch. Only the account number changes from customer to customer.
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 Salabatpura Branch branch but serve different purposes.
Where is The Gujarat State Cooperative Bank Limited The Financial Co-Oprative Bank Ltd Salabatpura Branch branch located?
The Gujarat State Cooperative Bank Limited's The Financial Co-Oprative Bank Ltd Salabatpura Branch branch is located at PRATIK HOUSE, NEAR ARIHANT AAVAS, BEHIND RKT MARKET, RING ROAD, SURAT-395002, Surat, Gujarat.
Summary
The IFSC code GSCB0FINCO3 belongs to The Gujarat State Cooperative Bank Limited's THE FINANCIAL CO-OPRATIVE BANK LTD SALABATPURA BRANCH branch, located at PRATIK HOUSE, NEAR ARIHANT AAVAS, BEHIND RKT MARKET, RING 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.
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