If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH branch in UMRETH, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0KDC004. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the THE KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH branch, and detailed step-by-step guides for using the IFSC GSCB0KDC004 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, GSCB0KDC004 is the IFSC of The Gujarat State Cooperative Bank Limited's THE KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH branch. The format is fixed: GSCB = bank code, 0 = reserved, KDC004 = branch identifier.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Kheda District Central Co Op Bank Ltd Umreth |
| IFSC Code | GSCB0KDC004 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BATT VADA |
| City | Umreth |
| District | Anand |
| State | Gujarat |
| Phone | 7046995003 |
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 Kheda District Central Co Op Bank Ltd Umreth branch in Umreth, Gujarat is part of this network and uses the IFSC code GSCB0KDC004 for all electronic settlement.
About the The Kheda District Central Co Op Bank Ltd Umreth branch
The The Kheda District Central Co Op Bank Ltd Umreth branch of The Gujarat State Cooperative Bank Limited is situated at BATT VADA. 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 GSCB0KDC004 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 KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH branch came to be assigned the code GSCB0KDC004.
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 GSCB0KDC004, money simply cannot be routed to the THE KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH branch electronically.
How to transfer money using IFSC GSCB0KDC004
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 GSCB0KDC004 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, THE KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH using IFSC GSCB0KDC004
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 GSCB0KDC004, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC GSCB0KDC004
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 KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH, ensure your bank's portal accepts IFSC GSCB0KDC004 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – THE KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH, use IMPS. With IFSC GSCB0KDC004 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to The Kheda District Central Co Op Bank Ltd Umreth
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 GSCB0KDC004:
- 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 KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH is still linked to IFSC GSCB0KDC004.
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 KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH branch, the IFSC GSCB0KDC004 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.
Products and account variants supported
Every account opened at the The Kheda District Central Co Op Bank Ltd Umreth branch is mapped to IFSC GSCB0KDC004 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 GSCB0KDC004.
Banking services available
The The Kheda District Central Co Op Bank Ltd Umreth branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7046995003.
- 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 GSCB0KDC004
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 GSCB0KDC004 and the account number together uniquely identify the The Kheda District Central Co Op Bank Ltd Umreth branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC GSCB0KDC004
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 KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH 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 GSCB0KDC004 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 GSCB0KDC004
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 KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH, 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:
GSCB0KDC004. - 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 Kheda District Central Co Op Bank Ltd Umreth branch sits at BATT VADA. If you are travelling from outside Umreth, search for the branch on a maps application using the bank name and locality, or call 7046995003 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 GSCB0KDC004 and your account number.
Verifying IFSC GSCB0KDC004 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 GSCB0KDC004 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7046995003.
- 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 Kheda District Central Co Op Bank Ltd Umreth branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0KDC004, however, work 24x7.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Kheda District Central Co Op Bank Ltd Umreth Branch
BATT VADA
Umreth, Gujarat
Phone: 7046995003
IFSC: GSCB0KDC004
Frequently asked questions
What is the phone number of The Gujarat State Cooperative Bank Limited The Kheda District Central Co Op Bank Ltd Umreth branch?
You can reach the branch at 7046995003 during regular banking hours.
Is IFSC GSCB0KDC004 the same for all accounts at The Kheda District Central Co Op Bank Ltd Umreth branch?
Yes. The IFSC GSCB0KDC004 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Kheda District Central Co Op Bank Ltd Umreth branch. Only the account number changes from customer to customer.
Can I use IFSC GSCB0KDC004 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0KDC004 to send funds instantly.
Is IFSC GSCB0KDC004 valid for NEFT and RTGS?
Yes. IFSC GSCB0KDC004 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is The Gujarat State Cooperative Bank Limited The Kheda District Central Co Op Bank Ltd Umreth branch located?
The Gujarat State Cooperative Bank Limited's The Kheda District Central Co Op Bank Ltd Umreth branch is located at BATT VADA, Umreth, Gujarat.
How quickly will an NEFT transfer using GSCB0KDC004 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Gujarat State Cooperative Bank Limited – The Kheda District Central Co Op Bank Ltd Umreth reflect within 30 minutes.
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 Kheda District Central Co Op Bank Ltd Umreth branch but serve different purposes.
How do I add The Gujarat State Cooperative Bank Limited The Kheda District Central Co Op Bank Ltd Umreth as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0KDC004, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: GSCB0KDC004 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE KHEDA DISTRICT CENTRAL CO OP BANK LTD UMRETH branch, in UMRETH, 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.
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