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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR branch in VALSAD. The 11-digit IFSC GSCB0VDC003 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Gujarat State Cooperative Bank Limited at the VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, GSCB0VDC003 is the IFSC of The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR branch. The format is fixed: GSCB = bank code, 0 = reserved, VDC003 = branch identifier.

About the bank

The Gujarat State Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Valsad District Central Co Op Bank Ltd City Br branch in Valsad, Gujarat is part of this network and uses the IFSC code GSCB0VDC003 for all electronic settlement.

Valsad District Central Co Op Bank Ltd City Br branch overview

Located at SAHAKAR SADAN KACHERI ROAD B H COURT BUILDING DIST VALSAD 396001, the Valsad District Central Co Op Bank Ltd City Br branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC GSCB0VDC003 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR branch came to be assigned the code GSCB0VDC003.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC GSCB0VDC003, money simply cannot be routed to the VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR branch electronically.

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 GSCB0VDC003 and the account number together uniquely identify the Valsad District Central Co Op Bank Ltd City Br branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC GSCB0VDC003

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 GSCB0VDC003 across all three.

NEFT to The Gujarat State Cooperative Bank Limited, VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR using IFSC GSCB0VDC003

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 GSCB0VDC003, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC GSCB0VDC003

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 – VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR, ensure your bank's portal accepts IFSC GSCB0VDC003 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Gujarat State Cooperative Bank Limited VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR (IFSC GSCB0VDC003)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0VDC003 in your mobile or internet banking app, and the money is credited to the VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC GSCB0VDC003 for The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR, 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 City Br 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 GSCB0VDC003

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 CITY BR is still mapped to IFSC GSCB0VDC003. 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 GSCB0VDC003 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Valsad District Central Co Op Bank Ltd City Br branch is mapped to IFSC GSCB0VDC003 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 GSCB0VDC003.

Banking services available

The Valsad District Central Co Op Bank Ltd City Br branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2632-242950.

• 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 GSCB0VDC003

Digital banking channels

Most day-to-day work that customers used to do at the Valsad District Central Co Op Bank Ltd City Br 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 GSCB0VDC003 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.

Reaching the branch

The Valsad District Central Co Op Bank Ltd City Br branch sits at SAHAKAR SADAN KACHERI ROAD B H COURT BUILDING DIST VALSAD 396001. If you are travelling from outside Valsad, search for the branch on a maps application using the bank name and locality, or call 2632-242950 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 GSCB0VDC003 and your account number.

Common mistakes to avoid when using IFSC GSCB0VDC003

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Gujarat State Cooperative Bank Limited – VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: GSCB0VDC003.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Valsad District Central Co Op Bank Ltd City Br branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0VDC003, however, work 24x7.

Verifying IFSC GSCB0VDC003 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 GSCB0VDC003 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2632-242950.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code GSCB0VDC003 belongs to The Gujarat State Cooperative Bank Limited's VALSAD DISTRICT CENTRAL CO OP BANK LTD CITY BR branch, located at SAHAKAR SADAN KACHERI ROAD B H COURT BUILDING DIST VALSAD 396001 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.