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

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE SURAT MERCANTILE CO OP BANK LTD KATARGAM branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0SMCB03. 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 GSCB0SMCB03 for The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD KATARGAM — 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 SURAT MERCANTILE CO OP BANK LTD KATARGAM is GSCB0SMCB03. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SMCB03 map to this branch in SURAT, GUJARAT.

Branch details at a glance

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 Katargam 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, GSCB0SMCB03.

The Surat Mercantile Co Op Bank Ltd Katargam branch overview

Located at VASTADEVDI ROAD, NR. GAYATRI TEMPLE, KATARGAM, SURAT - 395004, the The Surat Mercantile Co Op Bank Ltd Katargam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0SMCB03 is required for all interbank electronic transfers routed through this branch.

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 KATARGAM branch came to be assigned the code GSCB0SMCB03.

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 GSCB0SMCB03, money simply cannot be routed to the THE SURAT MERCANTILE CO OP BANK LTD KATARGAM branch electronically.

How to transfer money using IFSC GSCB0SMCB03

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 GSCB0SMCB03 across all three.

How to use IFSC GSCB0SMCB03 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 KATARGAM 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 GSCB0SMCB03.
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 KATARGAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC GSCB0SMCB03

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 KATARGAM, ensure your bank's portal accepts IFSC GSCB0SMCB03 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited THE SURAT MERCANTILE CO OP BANK LTD KATARGAM (IFSC GSCB0SMCB03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0SMCB03 in your mobile or internet banking app, and the money is credited to the THE SURAT MERCANTILE CO OP BANK LTD KATARGAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Surat Mercantile Co Op Bank Ltd Katargam

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 GSCB0SMCB03:

• 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 SURAT MERCANTILE CO OP BANK LTD KATARGAM is still linked to IFSC GSCB0SMCB03.

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 GSCB0SMCB03

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 SURAT MERCANTILE CO OP BANK LTD KATARGAM is still mapped to IFSC GSCB0SMCB03. 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 GSCB0SMCB03 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Surat Mercantile Co Op Bank Ltd Katargam branch is mapped to IFSC GSCB0SMCB03 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 GSCB0SMCB03.

Banking services available

The The Surat Mercantile Co Op Bank Ltd Katargam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2533602.

• 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 GSCB0SMCB03

MICR & cheque-truncation details

Cheques drawn on the The Surat Mercantile Co Op Bank Ltd Katargam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0SMCB03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GSCB0SMCB03

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 KATARGAM 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 GSCB0SMCB03 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.

Common mistakes to avoid when using IFSC GSCB0SMCB03

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD KATARGAM, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: GSCB0SMCB03.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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

The branch is located at VASTADEVDI ROAD, NR. GAYATRI TEMPLE, KATARGAM, SURAT - 395004, 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 Katargam branch” — the verified location pin for IFSC GSCB0SMCB03 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2533602 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 GSCB0SMCB03 and your account number.

Verifying IFSC GSCB0SMCB03 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 GSCB0SMCB03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2533602.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Surat Mercantile Co Op Bank Ltd Katargam 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 GSCB0SMCB03 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0SMCB03 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE SURAT MERCANTILE CO OP BANK LTD KATARGAM 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.