IFSC Code of The Gujarat State Cooperative Bank Limited, Valsad District Central Co Op Bank Ltd Atgam Branch, Gujarat

If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM branch in VALSAD, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0VDC005. 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM branch, and detailed step-by-step guides for using the IFSC GSCB0VDC005 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM branch, the IFSC GSCB0VDC005 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and VDC005 identifies this particular branch.

Branch details at a glance

Bank profile

The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Valsad District Central Co Op Bank Ltd Atgam branch — IFSC GSCB0VDC005 — extends the bank's services to customers in and around Valsad, Gujarat.

Valsad District Central Co Op Bank Ltd Atgam branch overview

Located at TA DIST VALSAD AT POST ATGAM DIST VALSAD 396045, the Valsad District Central Co Op Bank Ltd Atgam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0VDC005 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0VDC005 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 GSCB0VDC005 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 GSCB0VDC005

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 GSCB0VDC005 across all three.

How to use IFSC GSCB0VDC005 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM 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 GSCB0VDC005.
4. Confirm the bank name auto-populates as The Gujarat State Cooperative Bank Limited and the branch as VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM

If you need to transfer ₹2 lakh or more in one go to an account at The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC GSCB0VDC005 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 – VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM, use IMPS. With IFSC GSCB0VDC005 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 GSCB0VDC005 for The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM, 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 Valsad District Central Co Op Bank Ltd Atgam 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.

UPI payments and IFSC GSCB0VDC005

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 – VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM is still mapped to IFSC GSCB0VDC005. 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 GSCB0VDC005 and the beneficiary's account number to complete the transfer.

Account types you can open at the Valsad District Central Co Op Bank Ltd Atgam branch

Once you have an account at The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM, the IFSC GSCB0VDC005 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 Valsad District Central Co Op Bank Ltd Atgam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2632-273831.

• 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 GSCB0VDC005

MICR & cheque-truncation details

Cheques drawn on the Valsad District Central Co Op Bank Ltd Atgam branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC GSCB0VDC005 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC GSCB0VDC005

The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM 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 GSCB0VDC005 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.

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 – VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM:

• The IFSC is exactly GSCB0VDC005 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 VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM 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 Valsad District Central Co Op Bank Ltd Atgam branch sits at TA DIST VALSAD AT POST ATGAM DIST VALSAD 396045. If you are travelling from outside Valsad, search for the branch on a maps application using the bank name and locality, or call 2632-273831 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 GSCB0VDC005 and your account number.

Verifying IFSC GSCB0VDC005 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 GSCB0VDC005 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2632-273831.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Valsad District Central Co Op Bank Ltd Atgam are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to GSCB0VDC005 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0VDC005 belongs to The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD ATGAM branch, located at TA DIST VALSAD AT POST ATGAM DIST VALSAD 396045 in VALSAD, 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.