IFSC Code of The Gujarat State Cooperative Bank Limited, The Surat Mercantile Co Op Bank Ltd Bamroli Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE SURAT MERCANTILE CO OP BANK LTD BAMROLI branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0SMCB14. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE SURAT MERCANTILE CO OP BANK LTD BAMROLI branch, and detailed step-by-step guides for using the IFSC GSCB0SMCB14 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 SURAT MERCANTILE CO OP BANK LTD BAMROLI branch, the IFSC GSCB0SMCB14 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and SMCB14 identifies this particular branch.

Branch details at a glance

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 Surat Mercantile Co Op Bank Ltd Bamroli branch in Surat, Gujarat is part of this network and uses the IFSC code GSCB0SMCB14 for all electronic settlement.

About the The Surat Mercantile Co Op Bank Ltd Bamroli branch

The The Surat Mercantile Co Op Bank Ltd Bamroli branch of The Gujarat State Cooperative Bank Limited is situated at SHOP NO. - 11 TO 14 SHLOK BUSINESS ARCADE, GROUND FLOOR, MILAN POINT, BAMROLI CHAR RASTA, BAMROLI, SURAT - 394210.. 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 GSCB0SMCB14 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 SURAT MERCANTILE CO OP BANK LTD BAMROLI branch came to be assigned the code GSCB0SMCB14.

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 GSCB0SMCB14, money simply cannot be routed to the THE SURAT MERCANTILE CO OP BANK LTD BAMROLI branch electronically.

How to transfer money using IFSC GSCB0SMCB14

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 GSCB0SMCB14 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE SURAT MERCANTILE CO OP BANK LTD BAMROLI using IFSC GSCB0SMCB14

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 GSCB0SMCB14, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD BAMROLI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0SMCB14

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 SURAT MERCANTILE CO OP BANK LTD BAMROLI, ensure your bank's portal accepts IFSC GSCB0SMCB14 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 SURAT MERCANTILE CO OP BANK LTD BAMROLI, use IMPS. With IFSC GSCB0SMCB14 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 GSCB0SMCB14 for The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD BAMROLI, 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 Surat Mercantile Co Op Bank Ltd Bamroli 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.

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 SURAT MERCANTILE CO OP BANK LTD BAMROLI branch, the IFSC GSCB0SMCB14 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.

Products and account variants supported

Every account opened at the The Surat Mercantile Co Op Bank Ltd Bamroli branch is mapped to IFSC GSCB0SMCB14 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 GSCB0SMCB14.

Products and services

Customers walking into the The Surat Mercantile Co Op Bank Ltd Bamroli 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 GSCB0SMCB14

MICR & cheque-truncation details

Cheques drawn on the The Surat Mercantile Co Op Bank Ltd Bamroli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0SMCB14 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GSCB0SMCB14

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THE SURAT MERCANTILE CO OP BANK LTD BAMROLI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC GSCB0SMCB14 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 SURAT MERCANTILE CO OP BANK LTD BAMROLI:

• The IFSC is exactly GSCB0SMCB14 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 SURAT MERCANTILE CO OP BANK LTD BAMROLI 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.

How to reach the The Surat Mercantile Co Op Bank Ltd Bamroli branch

The branch is located at SHOP NO. - 11 TO 14 SHLOK BUSINESS ARCADE, GROUND FLOOR, MILAN POINT, BAMROLI CHAR RASTA, BAMROLI, SURAT - 394210., which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited The Surat Mercantile Co Op Bank Ltd Bamroli branch” — the verified location pin for IFSC GSCB0SMCB14 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2910690 before stepping out, especially around public holidays.
3. 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 GSCB0SMCB14 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0SMCB14 for The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD BAMROLI, 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 Surat Mercantile Co Op Bank Ltd Bamroli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0SMCB14, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0SMCB14 belongs to The Gujarat State Cooperative Bank Limited's THE SURAT MERCANTILE CO OP BANK LTD BAMROLI branch, located at SHOP NO. - 11 TO 14 SHLOK BUSINESS ARCADE, GROUND FLOOR, MILAN POINT, BAMROLI… 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.