IFSC Code of The Gujarat State Cooperative Bank Limited, Sardar Vallabhbhai Sahakari Bank Ltd Unjha Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA branch in UNJHA. The 11-digit IFSC GSCB0USRD05 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 SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA 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, GSCB0USRD05 is the IFSC of The Gujarat State Cooperative Bank Limited's SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA branch. The format is fixed: GSCB = bank code, 0 = reserved, USRD05 = branch identifier.

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 Sardar Vallabhbhai Sahakari Bank Ltd Unjha branch in Unjha, Gujarat is part of this network and uses the IFSC code GSCB0USRD05 for all electronic settlement.

Sardar Vallabhbhai Sahakari Bank Ltd Unjha branch overview

Located at SHETH M R S HIGH SCHOOL BUILDING OPP GUNJ BAZAR STATION ROAD UNJHA, the Sardar Vallabhbhai Sahakari Bank Ltd Unjha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0USRD05 is required for all interbank electronic transfers routed through this branch.

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 SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA branch came to be assigned the code GSCB0USRD05.

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 GSCB0USRD05, money simply cannot be routed to the SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA branch electronically.

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 GSCB0USRD05 and the account number together uniquely identify the Sardar Vallabhbhai Sahakari Bank Ltd Unjha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0USRD05

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 GSCB0USRD05 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA using IFSC GSCB0USRD05

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 GSCB0USRD05, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0USRD05

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 – SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA, ensure your bank's portal accepts IFSC GSCB0USRD05 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 – SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA, use IMPS. With IFSC GSCB0USRD05 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 GSCB0USRD05 for The Gujarat State Cooperative Bank Limited – SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA, 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.

For most retail customers crediting the Sardar Vallabhbhai Sahakari Bank Ltd Unjha 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 GSCB0USRD05

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 – SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA is still mapped to IFSC GSCB0USRD05. 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 GSCB0USRD05 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sardar Vallabhbhai Sahakari Bank Ltd Unjha branch

Once you have an account at The Gujarat State Cooperative Bank Limited – SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA, the IFSC GSCB0USRD05 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 Sardar Vallabhbhai Sahakari Bank Ltd Unjha 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 GSCB0USRD05

Digital banking channels

Most day-to-day work that customers used to do at the Sardar Vallabhbhai Sahakari Bank Ltd Unjha 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 GSCB0USRD05 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 Sardar Vallabhbhai Sahakari Bank Ltd Unjha branch sits at SHETH M R S HIGH SCHOOL BUILDING OPP GUNJ BAZAR STATION ROAD UNJHA. If you are travelling from outside Unjha, search for the branch on a maps application using the bank name and locality, or call 2767-258363 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 GSCB0USRD05 and your account number.

Common mistakes to avoid when using IFSC GSCB0USRD05

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 – SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA, 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: GSCB0USRD05.
• 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 Sardar Vallabhbhai Sahakari Bank Ltd Unjha 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 GSCB0USRD05 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0USRD05 for The Gujarat State Cooperative Bank Limited – SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA, 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: GSCB0USRD05 is the IFSC code of The Gujarat State Cooperative Bank Limited, SARDAR VALLABHBHAI SAHAKARI BANK LTD UNJHA branch, in UNJHA, 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.