IFSC Code of The Gujarat State Cooperative Bank Limited, Uma Co Operative Bank Ltd Nizampura H.O Branch, Gujarat

Below are the complete branch details for The Gujarat State Cooperative Bank Limited, UMA CO OPERATIVE BANK LTD NIZAMPURA H.O branch, located in VADODARA, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is GSCB0UMA002. 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 GSCB0UMA002 for The Gujarat State Cooperative Bank Limited – UMA CO OPERATIVE BANK LTD NIZAMPURA H.O — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Gujarat State Cooperative Bank Limited – UMA CO OPERATIVE BANK LTD NIZAMPURA H.O is GSCB0UMA002. The first four letters GSCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UMA002 map to this branch in VADODARA, GUJARAT.

About The Gujarat State Cooperative Bank Limited

The Gujarat State Cooperative Bank Limited operates a wide network of branches across India, including the Uma Co Operative Bank Ltd Nizampura H.O 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, GSCB0UMA002.

Branch details at a glance

About the Uma Co Operative Bank Ltd Nizampura H.O branch

The Uma Co Operative Bank Ltd Nizampura H.O branch of The Gujarat State Cooperative Bank Limited is situated at JAY COMPLEX, NIZAMPURA, VADODARA, PIN CODE-390002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code GSCB0UMA002 is used.

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 UMA CO OPERATIVE BANK LTD NIZAMPURA H.O of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0UMA002 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 GSCB0UMA002 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Uma Co Operative Bank Ltd Nizampura H.O branch

Once you have an account at The Gujarat State Cooperative Bank Limited – UMA CO OPERATIVE BANK LTD NIZAMPURA H.O, the IFSC GSCB0UMA002 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 Uma Co Operative Bank Ltd Nizampura H.O 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 GSCB0UMA002

How to transfer money using IFSC GSCB0UMA002

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 GSCB0UMA002 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, UMA CO OPERATIVE BANK LTD NIZAMPURA H.O using IFSC GSCB0UMA002

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 GSCB0UMA002, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – UMA CO OPERATIVE BANK LTD NIZAMPURA H.O. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UMA CO OPERATIVE BANK LTD NIZAMPURA H.O

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's UMA CO OPERATIVE BANK LTD NIZAMPURA H.O branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0UMA002 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 – UMA CO OPERATIVE BANK LTD NIZAMPURA H.O, use IMPS. With IFSC GSCB0UMA002 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 Uma Co Operative Bank Ltd Nizampura H.O

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 GSCB0UMA002:

• 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 UMA CO OPERATIVE BANK LTD NIZAMPURA H.O is still linked to IFSC GSCB0UMA002.

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 GSCB0UMA002

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 – UMA CO OPERATIVE BANK LTD NIZAMPURA H.O is still mapped to IFSC GSCB0UMA002. 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 GSCB0UMA002 and the beneficiary's account number to complete the transfer.

Online banking and IFSC GSCB0UMA002

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UMA CO OPERATIVE BANK LTD NIZAMPURA H.O 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 GSCB0UMA002 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.

MICR & cheque-truncation details

Cheques drawn on the Uma Co Operative Bank Ltd Nizampura H.O branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0UMA002 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 – UMA CO OPERATIVE BANK LTD NIZAMPURA H.O:

• The IFSC is exactly GSCB0UMA002 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 UMA CO OPERATIVE BANK LTD NIZAMPURA H.O 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 Uma Co Operative Bank Ltd Nizampura H.O branch sits at JAY COMPLEX, NIZAMPURA, VADODARA, PIN CODE-390002. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 265-2793088 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 GSCB0UMA002 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC GSCB0UMA002 for The Gujarat State Cooperative Bank Limited – UMA CO OPERATIVE BANK LTD NIZAMPURA H.O, 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 Uma Co Operative Bank Ltd Nizampura H.O branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0UMA002, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0UMA002 belongs to The Gujarat State Cooperative Bank Limited's UMA CO OPERATIVE BANK LTD NIZAMPURA H.O branch, located at JAY COMPLEX, NIZAMPURA, VADODARA, PIN CODE-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.