If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA branch in UMTA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0MSN018. 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 MEHSANA DIST CENTRAL CO OP BANK LTD UMTA branch, and detailed step-by-step guides for using the IFSC GSCB0MSN018 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.
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 MEHSANA DIST CENTRAL CO OP BANK LTD UMTA is GSCB0MSN018. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MSN018 map to this branch in UMTA, GUJARAT.
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 Mehsana Dist Central Co Op Bank Ltd Umta branch in Umta, Gujarat is part of this network and uses the IFSC code GSCB0MSN018 for all electronic settlement.
About this branch
The branch is located at AT AND POST UMTA BAZAR TA VISNAGAR DIST MEHSANA 384320. It serves the Umta 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 GSCB0MSN018 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Mehsana Dist Central Co Op Bank Ltd Umta |
| IFSC Code | GSCB0MSN018 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT AND POST UMTA BAZAR TA VISNAGAR DIST MEHSANA 384320 |
| City | Umta |
| District | Mehsana |
| State | Gujarat |
| STD Code | 2765 |
| Phone | 284630 |
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 MEHSANA DIST CENTRAL CO OP BANK LTD UMTA of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0MSN018 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 GSCB0MSN018 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 GSCB0MSN018 and the account number together uniquely identify the The Mehsana Dist Central Co Op Bank Ltd Umta branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC GSCB0MSN018
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 GSCB0MSN018 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA using IFSC GSCB0MSN018
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 GSCB0MSN018, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA
If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0MSN018 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to The Gujarat State Cooperative Bank Limited – THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA, use IMPS. With IFSC GSCB0MSN018 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC GSCB0MSN018 for The Gujarat State Cooperative Bank Limited – THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA, 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 – GSCB0MSN018 | Yes – GSCB0MSN018 | Yes – GSCB0MSN018 |
For most retail customers crediting the The Mehsana Dist Central Co Op Bank Ltd Umta 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 GSCB0MSN018
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 MEHSANA DIST CENTRAL CO OP BANK LTD UMTA is still mapped to IFSC GSCB0MSN018. 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 GSCB0MSN018 and the beneficiary's account number to complete the transfer.
Account types you can open at the The Mehsana Dist Central Co Op Bank Ltd Umta branch
Once you have an account at The Gujarat State Cooperative Bank Limited – THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA, the IFSC GSCB0MSN018 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 Mehsana Dist Central Co Op Bank Ltd Umta 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 GSCB0MSN018
Online banking and IFSC GSCB0MSN018
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 MEHSANA DIST CENTRAL CO OP BANK LTD UMTA 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 GSCB0MSN018 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 Mehsana Dist Central Co Op Bank Ltd Umta branch sits at AT AND POST UMTA BAZAR TA VISNAGAR DIST MEHSANA 384320. If you are travelling from outside Umta, search for the branch on a maps application using the bank name and locality, or call 2765-284630 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 GSCB0MSN018 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 MEHSANA DIST CENTRAL CO OP BANK LTD UMTA:
- The IFSC is exactly GSCB0MSN018 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 MEHSANA DIST CENTRAL CO OP BANK LTD UMTA 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.
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 Mehsana Dist Central Co Op Bank Ltd Umta branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0MSN018, however, work 24x7.
Verifying IFSC GSCB0MSN018 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 GSCB0MSN018 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2765-284630.
- Visiting the bank's official branch locator page.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Mehsana Dist Central Co Op Bank Ltd Umta Branch
AT AND POST UMTA BAZAR TA VISNAGAR DIST MEHSANA 384320
Umta, Gujarat
Phone: 2765-284630
IFSC: GSCB0MSN018
Frequently asked questions
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 Mehsana Dist Central Co Op Bank Ltd Umta branch but serve different purposes.
Can I use IFSC GSCB0MSN018 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0MSN018 to send funds instantly.
Is IFSC GSCB0MSN018 valid for NEFT and RTGS?
Yes. IFSC GSCB0MSN018 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using GSCB0MSN018 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Gujarat State Cooperative Bank Limited – The Mehsana Dist Central Co Op Bank Ltd Umta reflect within 30 minutes.
Does The Gujarat State Cooperative Bank Limited The Mehsana Dist Central Co Op Bank Ltd Umta branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2765-284630 to confirm.
Is IFSC GSCB0MSN018 the same for all accounts at The Mehsana Dist Central Co Op Bank Ltd Umta branch?
Yes. The IFSC GSCB0MSN018 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Mehsana Dist Central Co Op Bank Ltd Umta branch. Only the account number changes from customer to customer.
Where is The Gujarat State Cooperative Bank Limited The Mehsana Dist Central Co Op Bank Ltd Umta branch located?
The Gujarat State Cooperative Bank Limited's The Mehsana Dist Central Co Op Bank Ltd Umta branch is located at AT AND POST UMTA BAZAR TA VISNAGAR DIST MEHSANA 384320, Umta, Gujarat.
Summary
The IFSC code GSCB0MSN018 belongs to The Gujarat State Cooperative Bank Limited's THE MEHSANA DIST CENTRAL CO OP BANK LTD UMTA branch, located at AT AND POST UMTA BAZAR TA VISNAGAR DIST MEHSANA 384320 in UMTA, 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.
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