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

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, THE BARODA CENTRAL CO OP BANK LTD HANDOD branch in VADODARA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0BRD044. 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 HANDOD branch, and detailed step-by-step guides for using the IFSC GSCB0BRD044 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 HANDOD branch, the IFSC GSCB0BRD044 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and BRD044 identifies this particular branch.

Branch details at a glance

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the The Baroda Central Co Op Bank Ltd Handod branch in Vadodara. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, GSCB0BRD044.

The Baroda Central Co Op Bank Ltd Handod branch overview

Located at BHATT FALIYU, OPP DUDH DAIRY, AT AND POST HANDOD, TALUKA - KARJAN DISTRICT - VADODARA - 391240, GUJARAT, the The Baroda Central Co Op Bank Ltd Handod branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0BRD044 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 HANDOD of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BRD044 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 GSCB0BRD044 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC GSCB0BRD044

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 GSCB0BRD044 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, THE BARODA CENTRAL CO OP BANK LTD HANDOD using IFSC GSCB0BRD044

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 GSCB0BRD044, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BARODA CENTRAL CO OP BANK LTD HANDOD. 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 BARODA CENTRAL CO OP BANK LTD HANDOD

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's THE BARODA CENTRAL CO OP BANK LTD HANDOD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0BRD044 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 BARODA CENTRAL CO OP BANK LTD HANDOD, use IMPS. With IFSC GSCB0BRD044 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 GSCB0BRD044 for The Gujarat State Cooperative Bank Limited – THE BARODA CENTRAL CO OP BANK LTD HANDOD, 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 The Baroda Central Co Op Bank Ltd Handod 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.

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 BARODA CENTRAL CO OP BANK LTD HANDOD branch, the IFSC GSCB0BRD044 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.

Account types you can open at the The Baroda Central Co Op Bank Ltd Handod branch

Once you have an account at The Gujarat State Cooperative Bank Limited – THE BARODA CENTRAL CO OP BANK LTD HANDOD, the IFSC GSCB0BRD044 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.

Banking services available

The The Baroda Central Co Op Bank Ltd Handod branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9909518544.

• 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 GSCB0BRD044

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 GSCB0BRD044 and the account number together uniquely identify the The Baroda Central Co Op Bank Ltd Handod branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The Baroda Central Co Op Bank Ltd Handod 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 GSCB0BRD044 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.

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 HANDOD:

• The IFSC is exactly GSCB0BRD044 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 HANDOD 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 Handod branch sits at BHATT FALIYU, OPP DUDH DAIRY, AT AND POST HANDOD, TALUKA - KARJAN DISTRICT - VADODARA - 391240, GUJARAT. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 9909518544 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 GSCB0BRD044 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0BRD044 for The Gujarat State Cooperative Bank Limited – THE BARODA CENTRAL CO OP BANK LTD HANDOD, 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 Handod branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0BRD044, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0BRD044 belongs to The Gujarat State Cooperative Bank Limited's THE BARODA CENTRAL CO OP BANK LTD HANDOD branch, located at BHATT FALIYU, OPP DUDH DAIRY, AT AND POST HANDOD, TALUKA - KARJAN DISTRICT -… 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.