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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE SURAT MERCANTILE CO OP BANK LTD PANDESARA branch in SURAT. The 11-digit IFSC GSCB0SMCB13 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 SURAT MERCANTILE CO OP BANK LTD PANDESARA 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, GSCB0SMCB13 is the IFSC of The Gujarat State Cooperative Bank Limited's THE SURAT MERCANTILE CO OP BANK LTD PANDESARA branch. The format is fixed: GSCB = bank code, 0 = reserved, SMCB13 = 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 Surat Mercantile Co Op Bank Ltd Pandesara branch — IFSC GSCB0SMCB13 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

About the The Surat Mercantile Co Op Bank Ltd Pandesara branch

The The Surat Mercantile Co Op Bank Ltd Pandesara branch of The Gujarat State Cooperative Bank Limited is situated at SHOP NO - 1 TO 4, RAJESHWAR PLAZA, HIGHER GROUND FLOOR, OPP. B.R.C. TEMPLE, NR. RELIANCE PETROL PUMP, UDHNA MAIN ROAD, UDHNA, 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 GSCB0SMCB13 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 PANDESARA branch came to be assigned the code GSCB0SMCB13.

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 GSCB0SMCB13, money simply cannot be routed to the THE SURAT MERCANTILE CO OP BANK LTD PANDESARA branch electronically.

Account types you can open at the The Surat Mercantile Co Op Bank Ltd Pandesara branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE SURAT MERCANTILE CO OP BANK LTD PANDESARA, the IFSC GSCB0SMCB13 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.

Products and services

Customers walking into the The Surat Mercantile Co Op Bank Ltd Pandesara 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 GSCB0SMCB13

How to transfer money using IFSC GSCB0SMCB13

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 GSCB0SMCB13 across all three.

How to use IFSC GSCB0SMCB13 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 PANDESARA 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 GSCB0SMCB13.
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 PANDESARA.
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 PANDESARA

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 PANDESARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0SMCB13 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 PANDESARA (IFSC GSCB0SMCB13)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0SMCB13 in your mobile or internet banking app, and the money is credited to the THE SURAT MERCANTILE CO OP BANK LTD PANDESARA branch account within seconds.

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

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 GSCB0SMCB13:

• 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 PANDESARA is still linked to IFSC GSCB0SMCB13.

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.

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 PANDESARA branch, the IFSC GSCB0SMCB13 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.

Digital banking channels

Most day-to-day work that customers used to do at the The Surat Mercantile Co Op Bank Ltd Pandesara 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 GSCB0SMCB13 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 Surat Mercantile Co Op Bank Ltd Pandesara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0SMCB13 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC GSCB0SMCB13

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 PANDESARA, 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: GSCB0SMCB13.
• 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.

Reaching the branch

The The Surat Mercantile Co Op Bank Ltd Pandesara branch sits at SHOP NO - 1 TO 4, RAJESHWAR PLAZA, HIGHER GROUND FLOOR, OPP. B.R.C. TEMPLE, NR. RELIANCE PETROL PUMP, UDHNA MAIN ROAD, UDHNA, SURAT - 394210.. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2890512 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 GSCB0SMCB13 and your account number.

Verifying IFSC GSCB0SMCB13 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 GSCB0SMCB13 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2890512.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Surat Mercantile Co Op Bank Ltd Pandesara 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 GSCB0SMCB13 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0SMCB13 belongs to The Gujarat State Cooperative Bank Limited's THE SURAT MERCANTILE CO OP BANK LTD PANDESARA branch, located at SHOP NO - 1 TO 4, RAJESHWAR PLAZA, HIGHER GROUND FLOOR, OPP. B.R.C. TEMPLE,… 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.