Below are the complete branch details for The Gujarat State Cooperative Bank Limited, THE SURAT MERCANTILE CO OP BANK LTD KHATODRA branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0SMCB04. 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 GSCB0SMCB04 for The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD KHATODRA — 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 KHATODRA is GSCB0SMCB04. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SMCB04 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 Surat Mercantile Co Op Bank Ltd Khatodra 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, GSCB0SMCB04.
The Surat Mercantile Co Op Bank Ltd Khatodra branch overview
Located at OPP. KRISHNA PETROL PUMP, SOMA KANJINI WADI, UDHNA MAIN ROAD, KHATODRA, SURAT - 395002, the The Surat Mercantile Co Op Bank Ltd Khatodra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0SMCB04 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Surat Mercantile Co Op Bank Ltd Khatodra |
| IFSC Code | GSCB0SMCB04 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP. KRISHNA PETROL PUMP, SOMA KANJINI WADI, UDHNA MAIN ROAD, KHATODRA, SURAT - 395002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 261 |
| Phone | 2633122 |
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 KHATODRA of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0SMCB04 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 GSCB0SMCB04 the same way you would treat your account number — verify it once and save it carefully for future use.
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 GSCB0SMCB04 and the account number together uniquely identify the The Surat Mercantile Co Op Bank Ltd Khatodra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC GSCB0SMCB04
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 GSCB0SMCB04 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, THE SURAT MERCANTILE CO OP BANK LTD KHATODRA using IFSC GSCB0SMCB04
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 GSCB0SMCB04, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD KHATODRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC GSCB0SMCB04
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 KHATODRA, ensure your bank's portal accepts IFSC GSCB0SMCB04 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The Gujarat State Cooperative Bank Limited THE SURAT MERCANTILE CO OP BANK LTD KHATODRA (IFSC GSCB0SMCB04)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0SMCB04 in your mobile or internet banking app, and the money is credited to the THE SURAT MERCANTILE CO OP BANK LTD KHATODRA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC GSCB0SMCB04 for The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD KHATODRA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – GSCB0SMCB04 | Yes – GSCB0SMCB04 | Yes – GSCB0SMCB04 |
For most retail customers crediting the The Surat Mercantile Co Op Bank Ltd Khatodra 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.
UPI payments and IFSC GSCB0SMCB04
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 KHATODRA is still mapped to IFSC GSCB0SMCB04. 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 GSCB0SMCB04 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 Khatodra branch is mapped to IFSC GSCB0SMCB04 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 GSCB0SMCB04.
Products and services
Customers walking into the The Surat Mercantile Co Op Bank Ltd Khatodra 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 GSCB0SMCB04
Online banking and IFSC GSCB0SMCB04
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 KHATODRA 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 GSCB0SMCB04 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.
Reaching the branch
The The Surat Mercantile Co Op Bank Ltd Khatodra branch sits at OPP. KRISHNA PETROL PUMP, SOMA KANJINI WADI, UDHNA MAIN ROAD, KHATODRA, 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 261-2633122 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 GSCB0SMCB04 and your account number.
Common mistakes to avoid when using IFSC GSCB0SMCB04
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 KHATODRA, 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:
GSCB0SMCB04. - 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.
Working hours
Branch counters at The Surat Mercantile Co Op Bank Ltd Khatodra 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 GSCB0SMCB04 continue to work without interruption.
Verifying IFSC GSCB0SMCB04 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 GSCB0SMCB04 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 261-2633122.
- Visiting the bank's official branch locator page.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Surat Mercantile Co Op Bank Ltd Khatodra Branch
OPP. KRISHNA PETROL PUMP, SOMA KANJINI WADI, UDHNA MAIN ROAD, KHATODRA, SURAT - 395002
Surat, Gujarat
Phone: 261-2633122
IFSC: GSCB0SMCB04
Frequently asked questions
How do I add The Gujarat State Cooperative Bank Limited The Surat Mercantile Co Op Bank Ltd Khatodra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0SMCB04, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC GSCB0SMCB04 valid for NEFT and RTGS?
Yes. IFSC GSCB0SMCB04 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of The Gujarat State Cooperative Bank Limited The Surat Mercantile Co Op Bank Ltd Khatodra branch?
You can reach the branch at 261-2633122 during regular banking hours.
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 Surat Mercantile Co Op Bank Ltd Khatodra branch but serve different purposes.
Does The Gujarat State Cooperative Bank Limited The Surat Mercantile Co Op Bank Ltd Khatodra branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 261-2633122 to confirm.
Is IFSC GSCB0SMCB04 the same for all accounts at The Surat Mercantile Co Op Bank Ltd Khatodra branch?
Yes. The IFSC GSCB0SMCB04 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Surat Mercantile Co Op Bank Ltd Khatodra branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using GSCB0SMCB04 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Gujarat State Cooperative Bank Limited – The Surat Mercantile Co Op Bank Ltd Khatodra reflect within 30 minutes.
Where is The Gujarat State Cooperative Bank Limited The Surat Mercantile Co Op Bank Ltd Khatodra branch located?
The Gujarat State Cooperative Bank Limited's The Surat Mercantile Co Op Bank Ltd Khatodra branch is located at OPP. KRISHNA PETROL PUMP, SOMA KANJINI WADI, UDHNA MAIN ROAD, KHATODRA, SURAT - 395002, Surat, Gujarat.
Summary
The IFSC code GSCB0SMCB04 belongs to The Gujarat State Cooperative Bank Limited's THE SURAT MERCANTILE CO OP BANK LTD KHATODRA branch, located at OPP. KRISHNA PETROL PUMP, SOMA KANJINI WADI, UDHNA MAIN ROAD, KHATODRA, SURAT… 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
