IFSC Code of The Gujarat State Cooperative Bank Limited, Pragati Sahakari Bank Ltd Sardar Nagar Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, PRAGATI SAHAKARI BANK LTD SARDAR NAGAR branch, located in VADODARA, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0PSBL03. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case GSCB0PSBL03 for The Gujarat State Cooperative Bank Limited – PRAGATI SAHAKARI BANK LTD SARDAR NAGAR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, GSCB0PSBL03 is the IFSC of The Gujarat State Cooperative Bank Limited's PRAGATI SAHAKARI BANK LTD SARDAR NAGAR branch. The format is fixed: GSCB = bank code, 0 = reserved, PSBL03 = branch identifier.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Pragati Sahakari Bank Ltd Sardar Nagar branch — IFSC GSCB0PSBL03 — extends the bank's services to customers in and around Vadodara, Gujarat.

Pragati Sahakari Bank Ltd Sardar Nagar branch overview

Located at OPP. GHELANI PETROLPUM, TAPOVAN SOCIETY, NIZAMPURA, VADODARA - 390002, the Pragati Sahakari Bank Ltd Sardar Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0PSBL03 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 PRAGATI SAHAKARI BANK LTD SARDAR NAGAR of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0PSBL03 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 GSCB0PSBL03 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 GSCB0PSBL03 and the account number together uniquely identify the Pragati Sahakari Bank Ltd Sardar Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0PSBL03

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 GSCB0PSBL03 across all three.

How to use IFSC GSCB0PSBL03 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 PRAGATI SAHAKARI BANK LTD SARDAR NAGAR 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 GSCB0PSBL03.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as PRAGATI SAHAKARI BANK LTD SARDAR NAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC GSCB0PSBL03

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 – PRAGATI SAHAKARI BANK LTD SARDAR NAGAR, ensure your bank's portal accepts IFSC GSCB0PSBL03 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited PRAGATI SAHAKARI BANK LTD SARDAR NAGAR (IFSC GSCB0PSBL03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0PSBL03 in your mobile or internet banking app, and the money is credited to the PRAGATI SAHAKARI BANK LTD SARDAR NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Pragati Sahakari Bank Ltd Sardar Nagar

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 GSCB0PSBL03:

• 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 PRAGATI SAHAKARI BANK LTD SARDAR NAGAR is still linked to IFSC GSCB0PSBL03.

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 GSCB0PSBL03

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 – PRAGATI SAHAKARI BANK LTD SARDAR NAGAR is still mapped to IFSC GSCB0PSBL03. 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 GSCB0PSBL03 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Pragati Sahakari Bank Ltd Sardar Nagar branch is mapped to IFSC GSCB0PSBL03 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 GSCB0PSBL03.

Banking services available

The Pragati Sahakari Bank Ltd Sardar Nagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 265-2792804.

• 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 GSCB0PSBL03

Digital banking channels

Most day-to-day work that customers used to do at the Pragati Sahakari Bank Ltd Sardar Nagar 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 GSCB0PSBL03 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.

How to reach the Pragati Sahakari Bank Ltd Sardar Nagar branch

The branch is located at OPP. GHELANI PETROLPUM, TAPOVAN SOCIETY, NIZAMPURA, VADODARA - 390002, which puts it inside Vadodara, the broader Vadodara district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited Pragati Sahakari Bank Ltd Sardar Nagar branch” — the verified location pin for IFSC GSCB0PSBL03 should appear at the top of the results.
2. Confirm the branch is open by calling 265-2792804 before stepping out, especially around public holidays.
3. 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 GSCB0PSBL03 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 – PRAGATI SAHAKARI BANK LTD SARDAR NAGAR:

• The IFSC is exactly GSCB0PSBL03 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 PRAGATI SAHAKARI BANK LTD SARDAR NAGAR 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 Pragati Sahakari Bank Ltd Sardar Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0PSBL03, however, work 24x7.

Verifying IFSC GSCB0PSBL03 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 GSCB0PSBL03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 265-2792804.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0PSBL03 belongs to The Gujarat State Cooperative Bank Limited's PRAGATI SAHAKARI BANK LTD SARDAR NAGAR branch, located at OPP. GHELANI PETROLPUM, TAPOVAN SOCIETY, NIZAMPURA, VADODARA - 390002 in VADODARA, 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.