IFSC Code of The Gujarat State Cooperative Bank Limited, The Bharuch Dist Cent Co-Op Bank Ltd Umalla Branch, Gujarat

Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA branch in UMALLA, GUJARAT. The branch's IFSC code GSCB0BRC014 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 BHARUCH DIST CENT CO-OP BANK LTD UMALLA branch, the IFSC GSCB0BRC014 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and BRC014 identifies this particular branch.

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 Bharuch Dist Cent Co-Op Bank Ltd Umalla branch in Umalla, Gujarat is part of this network and uses the IFSC code GSCB0BRC014 for all electronic settlement.

About this branch

The branch is located at AT.PO.UMALLA, TA. JHAGADIA, DIST. BHARUCH. It serves the Umalla region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Gujarat State Cooperative Bank Limited. The IFSC GSCB0BRC014 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 BHARUCH DIST CENT CO-OP BANK LTD UMALLA branch came to be assigned the code GSCB0BRC014.

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 GSCB0BRC014, money simply cannot be routed to the THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Bharuch Dist Cent Co-Op Bank Ltd Umalla branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0BRC014 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC GSCB0BRC014

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 GSCB0BRC014 across all three.

How to use IFSC GSCB0BRC014 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 BHARUCH DIST CENT CO-OP BANK LTD UMALLA 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 GSCB0BRC014.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA.
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 BHARUCH DIST CENT CO-OP BANK LTD UMALLA

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0BRC014 while initiating the transfer and the credit will appear within minutes.

IMPS to The Gujarat State Cooperative Bank Limited THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA (IFSC GSCB0BRC014)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0BRC014 in your mobile or internet banking app, and the money is credited to the THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Bharuch Dist Cent Co-Op Bank Ltd Umalla

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 GSCB0BRC014:

• 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 BHARUCH DIST CENT CO-OP BANK LTD UMALLA is still linked to IFSC GSCB0BRC014.

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 GSCB0BRC014

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 BHARUCH DIST CENT CO-OP BANK LTD UMALLA is still mapped to IFSC GSCB0BRC014. 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 GSCB0BRC014 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Bharuch Dist Cent Co-Op Bank Ltd Umalla branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA, the IFSC GSCB0BRC014 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 Bharuch Dist Cent Co-Op Bank Ltd Umalla 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 GSCB0BRC014

Digital banking channels

Most day-to-day work that customers used to do at the The Bharuch Dist Cent Co-Op Bank Ltd Umalla 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 GSCB0BRC014 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.

Reaching the branch

The The Bharuch Dist Cent Co-Op Bank Ltd Umalla branch sits at AT.PO.UMALLA, TA. JHAGADIA, DIST. BHARUCH. If you are travelling from outside Umalla, search for the branch on a maps application using the bank name and locality, or call 2645-234323 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 GSCB0BRC014 and your account number.

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 BHARUCH DIST CENT CO-OP BANK LTD UMALLA:

• The IFSC is exactly GSCB0BRC014 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 BHARUCH DIST CENT CO-OP BANK LTD UMALLA 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.

Working hours

Branch counters at The Bharuch Dist Cent Co-Op Bank Ltd Umalla 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 GSCB0BRC014 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0BRC014 for The Gujarat State Cooperative Bank Limited – THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA, 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 address & contact

Frequently asked questions

Final notes

To recap: GSCB0BRC014 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE BHARUCH DIST CENT CO-OP BANK LTD UMALLA branch, in UMALLA, 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.