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

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE SURAT MERCANTILE CO OP BANK LTD BHATAR branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0SMCB11. 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 GSCB0SMCB11 for The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD BHATAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 BHATAR branch, the IFSC GSCB0SMCB11 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and SMCB11 identifies this particular branch.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Surat Mercantile Co Op Bank Ltd Bhatar 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, GSCB0SMCB11.

Branch details at a glance

The Surat Mercantile Co Op Bank Ltd Bhatar branch overview

Located at SHOP NO - 1 TO 5, 1ST FLOOR MEGHNA COMPLEX, UDHNA-MAGDALLA ROAD, SURAT - 395017., the The Surat Mercantile Co Op Bank Ltd Bhatar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0SMCB11 is required for all interbank electronic transfers routed through this branch.

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 SURAT MERCANTILE CO OP BANK LTD BHATAR of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0SMCB11 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 GSCB0SMCB11 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the The Surat Mercantile Co Op Bank Ltd Bhatar branch is mapped to IFSC GSCB0SMCB11 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 GSCB0SMCB11.

Products and services

Customers walking into the The Surat Mercantile Co Op Bank Ltd Bhatar 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 GSCB0SMCB11

How to transfer money using IFSC GSCB0SMCB11

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 GSCB0SMCB11 across all three.

How to use IFSC GSCB0SMCB11 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 SURAT MERCANTILE CO OP BANK LTD BHATAR 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 GSCB0SMCB11.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE SURAT MERCANTILE CO OP BANK LTD BHATAR.
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 SURAT MERCANTILE CO OP BANK LTD BHATAR

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE SURAT MERCANTILE CO OP BANK LTD BHATAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0SMCB11 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE SURAT MERCANTILE CO OP BANK LTD BHATAR (IFSC GSCB0SMCB11)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0SMCB11 in your mobile or internet banking app, and the money is credited to the THE SURAT MERCANTILE CO OP BANK LTD BHATAR branch account within seconds.

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

All three modes accept the IFSC GSCB0SMCB11 for The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD BHATAR, 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 Bhatar 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 BHATAR branch, the IFSC GSCB0SMCB11 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.

Online banking and IFSC GSCB0SMCB11

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 BHATAR 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 GSCB0SMCB11 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.

MICR & cheque-truncation details

Cheques drawn on the The Surat Mercantile Co Op Bank Ltd Bhatar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0SMCB11 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 SURAT MERCANTILE CO OP BANK LTD BHATAR:

• The IFSC is exactly GSCB0SMCB11 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 BHATAR 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 Bhatar branch

The branch is located at SHOP NO - 1 TO 5, 1ST FLOOR MEGHNA COMPLEX, UDHNA-MAGDALLA ROAD, SURAT - 395017., 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 Bhatar branch” — the verified location pin for IFSC GSCB0SMCB11 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2232133 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 GSCB0SMCB11 and your account number.

Verifying IFSC GSCB0SMCB11 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 GSCB0SMCB11 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2232133.
• Visiting the bank's official branch locator page.

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 Bhatar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0SMCB11, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0SMCB11 belongs to The Gujarat State Cooperative Bank Limited's THE SURAT MERCANTILE CO OP BANK LTD BHATAR branch, located at SHOP NO - 1 TO 5, 1ST FLOOR MEGHNA COMPLEX, UDHNA-MAGDALLA ROAD, SURAT - 395017. 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.