This page lists the IFSC code, branch address, contact number and fund-transfer information for The Gujarat State Cooperative Bank Limited, THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR branch in VIDHYAMANDIR. The 11-digit IFSC GSCB0BKD022 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 THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR 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, GSCB0BKD022 is the IFSC of The Gujarat State Cooperative Bank Limited's THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR branch. The format is fixed: GSCB = bank code, 0 = reserved, BKD022 = branch identifier.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir |
| IFSC Code | GSCB0BKD022 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NR MIRA GATE AT POST PALANPUR |
| City | Vidhyamandir |
| District | Banaskantha |
| State | Gujarat |
| STD Code | 2742 |
| Phone | 256368 |
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 The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch in Vidhyamandir, Gujarat is part of this network and uses the IFSC code GSCB0BKD022 for all electronic settlement.
About this branch
The branch is located at NR MIRA GATE AT POST PALANPUR. It serves the Vidhyamandir region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Gujarat State Cooperative Bank Limited. The IFSC GSCB0BKD022 is used to identify this branch on the RBI payments network.
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 BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0BKD022 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 GSCB0BKD022 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 GSCB0BKD022
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 GSCB0BKD022 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR using IFSC GSCB0BKD022
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 GSCB0BKD022, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC GSCB0BKD022
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 BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR, ensure your bank's portal accepts IFSC GSCB0BKD022 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The Gujarat State Cooperative Bank Limited THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR (IFSC GSCB0BKD022)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0BKD022 in your mobile or internet banking app, and the money is credited to the THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC GSCB0BKD022 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – GSCB0BKD022 | Yes – GSCB0BKD022 | Yes – GSCB0BKD022 |
For most retail customers crediting the The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir 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 BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR branch, the IFSC GSCB0BKD022 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.
Products and account variants supported
Every account opened at the The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch is mapped to IFSC GSCB0BKD022 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 GSCB0BKD022.
Banking services available
The The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2742-256368.
- 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 GSCB0BKD022
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 GSCB0BKD022 and the account number together uniquely identify the The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC GSCB0BKD022
The Gujarat State Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR 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 GSCB0BKD022 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.
Common mistakes to avoid when using IFSC GSCB0BKD022
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 – THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR, 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:
GSCB0BKD022. - 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.
How to reach the The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch
The branch is located at NR MIRA GATE AT POST PALANPUR, which puts it inside Vidhyamandir, the broader Banaskantha district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch” — the verified location pin for IFSC GSCB0BKD022 should appear at the top of the results.
- Confirm the branch is open by calling 2742-256368 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC GSCB0BKD022 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC GSCB0BKD022 for The Gujarat State Cooperative Bank Limited – THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR, 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 Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC GSCB0BKD022, however, work 24x7.
Branch address & contact
The Gujarat State Cooperative Bank LimitedThe Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir Branch
NR MIRA GATE AT POST PALANPUR
Vidhyamandir, Gujarat
Phone: 2742-256368
IFSC: GSCB0BKD022
Frequently asked questions
Is IFSC GSCB0BKD022 valid for NEFT and RTGS?
Yes. IFSC GSCB0BKD022 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0BKD022, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC GSCB0BKD022 the same for all accounts at The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch?
Yes. The IFSC GSCB0BKD022 is shared by every account held at The Gujarat State Cooperative Bank Limited's The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch. Only the account number changes from customer to customer.
Can I use IFSC GSCB0BKD022 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0BKD022 to send funds instantly.
What is the phone number of The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch?
You can reach the branch at 2742-256368 during regular banking hours.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch but serve different purposes.
What is the IFSC code of The Gujarat State Cooperative Bank Limited The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch?
The IFSC code of The Gujarat State Cooperative Bank Limited, The Banaskantha Dist Cent Co Op Bank Ltd Vidhyamandir branch is GSCB0BKD022. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code GSCB0BKD022 belongs to The Gujarat State Cooperative Bank Limited's THE BANASKANTHA DIST CENT CO OP BANK LTD VIDHYAMANDIR branch, located at NR MIRA GATE AT POST PALANPUR in VIDHYAMANDIR, 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.
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