Use this page as a one-stop reference for everything related to The Gujarat State Cooperative Bank Limited's THE MEHSANA DIST CENTRAL CO OP BANK LTD UPERA branch in UPERA, GUJARAT. The branch's IFSC code GSCB0MSN059 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 MEHSANA DIST CENTRAL CO OP BANK LTD UPERA branch, the IFSC GSCB0MSN059 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and MSN059 identifies this particular branch.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Mehsana Dist Central Co Op Bank Ltd Upera |
| IFSC Code | GSCB0MSN059 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT AND POST UPERA BAZAR TA UNJHA DIST MEHSANA 384177 |
| City | Upera |
| District | Mehsana |
| State | Gujarat |
| STD Code | 2767 |
| Phone | 278629 |
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 Upera branch in Upera, Gujarat is part of this network and uses the IFSC code GSCB0MSN059 for all electronic settlement.
About this branch
The branch is located at AT AND POST UPERA BAZAR TA UNJHA DIST MEHSANA 384177. It serves the Upera 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 GSCB0MSN059 is used to identify this branch on the RBI payments network.
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 MEHSANA DIST CENTRAL CO OP BANK LTD UPERA branch came to be assigned the code GSCB0MSN059.
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 GSCB0MSN059, money simply cannot be routed to the THE MEHSANA DIST CENTRAL CO OP BANK LTD UPERA branch electronically.
How to transfer money using IFSC GSCB0MSN059
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 GSCB0MSN059 across all three.
How to use IFSC GSCB0MSN059 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 MEHSANA DIST CENTRAL CO OP BANK LTD UPERA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC GSCB0MSN059.
- Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as THE MEHSANA DIST CENTRAL CO OP BANK LTD UPERA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC GSCB0MSN059
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 MEHSANA DIST CENTRAL CO OP BANK LTD UPERA, ensure your bank's portal accepts IFSC GSCB0MSN059 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 MEHSANA DIST CENTRAL CO OP BANK LTD UPERA, use IMPS. With IFSC GSCB0MSN059 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 Mehsana Dist Central Co Op Bank Ltd Upera
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 GSCB0MSN059:
- 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 MEHSANA DIST CENTRAL CO OP BANK LTD UPERA is still linked to IFSC GSCB0MSN059.
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 MEHSANA DIST CENTRAL CO OP BANK LTD UPERA branch, the IFSC GSCB0MSN059 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 Mehsana Dist Central Co Op Bank Ltd Upera branch is mapped to IFSC GSCB0MSN059 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 GSCB0MSN059.
Products and services
Customers walking into the The Mehsana Dist Central Co Op Bank Ltd Upera 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 GSCB0MSN059
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 GSCB0MSN059 and the account number together uniquely identify the The Mehsana Dist Central Co Op Bank Ltd Upera branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC GSCB0MSN059
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 UPERA 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 GSCB0MSN059 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 GSCB0MSN059
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 MEHSANA DIST CENTRAL CO OP BANK LTD UPERA, 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:
GSCB0MSN059. - 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.
How to reach the The Mehsana Dist Central Co Op Bank Ltd Upera branch
The branch is located at AT AND POST UPERA BAZAR TA UNJHA DIST MEHSANA 384177, which puts it inside Upera, the broader Mehsana district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited The Mehsana Dist Central Co Op Bank Ltd Upera branch” — the verified location pin for IFSC GSCB0MSN059 should appear at the top of the results.
- Confirm the branch is open by calling 2767-278629 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC GSCB0MSN059 and your account number.
Verifying IFSC GSCB0MSN059 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 GSCB0MSN059 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2767-278629.
- 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 Mehsana Dist Central Co Op Bank Ltd Upera branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0MSN059, however, work 24x7.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Mehsana Dist Central Co Op Bank Ltd Upera Branch
AT AND POST UPERA BAZAR TA UNJHA DIST MEHSANA 384177
Upera, Gujarat
Phone: 2767-278629
IFSC: GSCB0MSN059
Frequently asked questions
Does The Gujarat State Cooperative Bank Limited The Mehsana Dist Central Co Op Bank Ltd Upera branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2767-278629 to confirm.
Can I use IFSC GSCB0MSN059 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0MSN059 to send funds instantly.
Is IFSC GSCB0MSN059 the same for all accounts at The Mehsana Dist Central Co Op Bank Ltd Upera branch?
Yes. The IFSC GSCB0MSN059 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Mehsana Dist Central Co Op Bank Ltd Upera branch. Only the account number changes from customer to customer.
How do I add The Gujarat State Cooperative Bank Limited The Mehsana Dist Central Co Op Bank Ltd Upera as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0MSN059, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC GSCB0MSN059 valid for NEFT and RTGS?
Yes. IFSC GSCB0MSN059 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using GSCB0MSN059 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 Upera 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 Mehsana Dist Central Co Op Bank Ltd Upera branch but serve different purposes.
Where is The Gujarat State Cooperative Bank Limited The Mehsana Dist Central Co Op Bank Ltd Upera branch located?
The Gujarat State Cooperative Bank Limited's The Mehsana Dist Central Co Op Bank Ltd Upera branch is located at AT AND POST UPERA BAZAR TA UNJHA DIST MEHSANA 384177, Upera, Gujarat.
Final notes
To recap: GSCB0MSN059 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE MEHSANA DIST CENTRAL CO OP BANK LTD UPERA branch, in UPERA, 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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