If you are searching for the IFSC code of The Gujarat State Cooperative Bank Limited, AHMEDABD DISTRICT CO OP BANK LTD XAVIERS branch in XAVIERS, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is GSCB0ADC084. 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 AHMEDABD DISTRICT CO OP BANK LTD XAVIERS branch, and detailed step-by-step guides for using the IFSC GSCB0ADC084 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 AHMEDABD DISTRICT CO OP BANK LTD XAVIERS branch, the IFSC GSCB0ADC084 breaks down as follows: GSCB identifies the bank, 0 is the reserved character, and ADC084 identifies this particular branch.
Bank profile
The Gujarat State Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ahmedabd District Co Op Bank Ltd Xaviers branch — IFSC GSCB0ADC084 — extends the bank's services to customers in and around Xaviers, Gujarat.
Branch details at a glance
| Bank Name | The Gujarat State Cooperative Bank Limited |
|---|---|
| Branch | Ahmedabd District Co Op Bank Ltd Xaviers |
| IFSC Code | GSCB0ADC084 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BEHIND MUNISIPAL QTRS |
| City | Xaviers |
| District | Ahmedabad |
| State | Gujarat |
| Phone | 6359611497 |
About this branch
The branch is located at BEHIND MUNISIPAL QTRS. It serves the Xaviers 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 GSCB0ADC084 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 AHMEDABD DISTRICT CO OP BANK LTD XAVIERS of The Gujarat State Cooperative Bank Limited — its own 11-character IFSC. The code GSCB0ADC084 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 GSCB0ADC084 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ahmedabd District Co Op Bank Ltd Xaviers branch is mapped to IFSC GSCB0ADC084 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 GSCB0ADC084.
Banking services available
The Ahmedabd District Co Op Bank Ltd Xaviers branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6359611497.
- 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 GSCB0ADC084
How to transfer money using IFSC GSCB0ADC084
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 GSCB0ADC084 across all three.
NEFT to The Gujarat State Cooperative Bank Limited, AHMEDABD DISTRICT CO OP BANK LTD XAVIERS using IFSC GSCB0ADC084
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 GSCB0ADC084, and confirm that the system picks up The Gujarat State Cooperative Bank Limited – AHMEDABD DISTRICT CO OP BANK LTD XAVIERS. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC GSCB0ADC084
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 – AHMEDABD DISTRICT CO OP BANK LTD XAVIERS, ensure your bank's portal accepts IFSC GSCB0ADC084 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The Gujarat State Cooperative Bank Limited AHMEDABD DISTRICT CO OP BANK LTD XAVIERS (IFSC GSCB0ADC084)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC GSCB0ADC084 in your mobile or internet banking app, and the money is credited to the AHMEDABD DISTRICT CO OP BANK LTD XAVIERS branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ahmedabd District Co Op Bank Ltd Xaviers
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 GSCB0ADC084:
- 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 AHMEDABD DISTRICT CO OP BANK LTD XAVIERS is still linked to IFSC GSCB0ADC084.
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 GSCB0ADC084
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 – AHMEDABD DISTRICT CO OP BANK LTD XAVIERS is still mapped to IFSC GSCB0ADC084. 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 GSCB0ADC084 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Ahmedabd District Co Op Bank Ltd Xaviers 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 GSCB0ADC084 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.
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 GSCB0ADC084 and the account number together uniquely identify the Ahmedabd District Co Op Bank Ltd Xaviers branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – AHMEDABD DISTRICT CO OP BANK LTD XAVIERS:
- The IFSC is exactly GSCB0ADC084 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 AHMEDABD DISTRICT CO OP BANK LTD XAVIERS 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.
How to reach the Ahmedabd District Co Op Bank Ltd Xaviers branch
The branch is located at BEHIND MUNISIPAL QTRS, which puts it inside Xaviers, the broader Ahmedabad 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 Ahmedabd District Co Op Bank Ltd Xaviers branch” — the verified location pin for IFSC GSCB0ADC084 should appear at the top of the results.
- Confirm the branch is open by calling 6359611497 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 GSCB0ADC084 and your account number.
Verifying IFSC GSCB0ADC084 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 GSCB0ADC084 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 6359611497.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ahmedabd District Co Op Bank Ltd Xaviers 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 GSCB0ADC084 continue to work without interruption.
Branch address & contact
The Gujarat State Cooperative Bank LimitedAhmedabd District Co Op Bank Ltd Xaviers Branch
BEHIND MUNISIPAL QTRS
Xaviers, Gujarat
Phone: 6359611497
IFSC: GSCB0ADC084
Frequently asked questions
Is IFSC GSCB0ADC084 valid for NEFT and RTGS?
Yes. IFSC GSCB0ADC084 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC GSCB0ADC084 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC GSCB0ADC084 to send funds instantly.
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 Ahmedabd District Co Op Bank Ltd Xaviers branch but serve different purposes.
Where is The Gujarat State Cooperative Bank Limited Ahmedabd District Co Op Bank Ltd Xaviers branch located?
The Gujarat State Cooperative Bank Limited's Ahmedabd District Co Op Bank Ltd Xaviers branch is located at BEHIND MUNISIPAL QTRS, Xaviers, Gujarat.
Is IFSC GSCB0ADC084 the same for all accounts at Ahmedabd District Co Op Bank Ltd Xaviers branch?
Yes. The IFSC GSCB0ADC084 is shared by every account held at The Gujarat State Cooperative Bank Limited's Ahmedabd District Co Op Bank Ltd Xaviers branch. Only the account number changes from customer to customer.
How do I add The Gujarat State Cooperative Bank Limited Ahmedabd District Co Op Bank Ltd Xaviers as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC GSCB0ADC084, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using GSCB0ADC084 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Gujarat State Cooperative Bank Limited – Ahmedabd District Co Op Bank Ltd Xaviers reflect within 30 minutes.
Summary
The IFSC code GSCB0ADC084 belongs to The Gujarat State Cooperative Bank Limited's AHMEDABD DISTRICT CO OP BANK LTD XAVIERS branch, located at BEHIND MUNISIPAL QTRS in XAVIERS, 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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