IFSC Code of The Gujarat State Cooperative Bank Limited, The Baroda Central Co Op Bank Ltd - Bhayali Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE BARODA CENTRAL CO OP BANK LTD - BHAYALI branch in VADODARA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0BRD041. 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 BARODA CENTRAL CO OP BANK LTD - BHAYALI branch, and detailed step-by-step guides for using the IFSC GSCB0BRD041 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.

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 BARODA CENTRAL CO OP BANK LTD - BHAYALI branch, the IFSC GSCB0BRD041 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and BRD041 identifies this particular branch.

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The The Baroda Central Co Op Bank Ltd - Bhayali branch — IFSC GSCB0BRD041 — extends the bank's services to customers in and around Vadodara, Gujarat.

Branch details at a glance

The Baroda Central Co Op Bank Ltd - Bhayali branch overview

Located at KD 10 SHOPNO.3,4,5 OPP ARYA EXOTICA BILL TP-1 BILL GAM TA.VADODARA DIST.VADODARA-391410, the The Baroda Central Co Op Bank Ltd - Bhayali branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0BRD041 is required for all interbank electronic transfers routed through this branch.

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 BARODA CENTRAL CO OP BANK LTD - BHAYALI of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BRD041 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 GSCB0BRD041 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the The Baroda Central Co Op Bank Ltd - Bhayali branch is mapped to IFSC GSCB0BRD041 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 GSCB0BRD041.

Products and services

Customers walking into the The Baroda Central Co Op Bank Ltd - Bhayali 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 GSCB0BRD041

How to transfer money using IFSC GSCB0BRD041

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 GSCB0BRD041 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BARODA CENTRAL CO OP BANK LTD - BHAYALI using IFSC GSCB0BRD041

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 GSCB0BRD041, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BARODA CENTRAL CO OP BANK LTD - BHAYALI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0BRD041

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 BARODA CENTRAL CO OP BANK LTD - BHAYALI, ensure your bank's portal accepts IFSC GSCB0BRD041 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 BARODA CENTRAL CO OP BANK LTD - BHAYALI, use IMPS. With IFSC GSCB0BRD041 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 Baroda Central Co Op Bank Ltd - Bhayali

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 GSCB0BRD041:

• 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 BARODA CENTRAL CO OP BANK LTD - BHAYALI is still linked to IFSC GSCB0BRD041.

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 GSCB0BRD041

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 BARODA CENTRAL CO OP BANK LTD - BHAYALI is still mapped to IFSC GSCB0BRD041. 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 GSCB0BRD041 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the The Baroda Central Co Op Bank Ltd - Bhayali 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 GSCB0BRD041 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.

MICR & cheque-truncation details

Cheques drawn on the The Baroda Central Co Op Bank Ltd - Bhayali branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0BRD041 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 BARODA CENTRAL CO OP BANK LTD - BHAYALI:

• The IFSC is exactly GSCB0BRD041 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 BARODA CENTRAL CO OP BANK LTD - BHAYALI 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.

Reaching the branch

The The Baroda Central Co Op Bank Ltd - Bhayali branch sits at KD 10 SHOPNO.3,4,5 OPP ARYA EXOTICA BILL TP-1 BILL GAM TA.VADODARA DIST.VADODARA-391410. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 9428658166 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 GSCB0BRD041 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0BRD041 for The Gujarat State Cooperative Bank Limited – THE BARODA CENTRAL CO OP BANK LTD - BHAYALI, 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 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 Baroda Central Co Op Bank Ltd - Bhayali branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0BRD041, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: GSCB0BRD041 is the IFSC code of The Gujarat State Cooperative Bank Limited, THE BARODA CENTRAL CO OP BANK LTD - BHAYALI branch, in VADODARA, 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.