IFSC Code of Vikas Souharda Co-operative Bank Limited, Gajendragada Branch, Karnataka

Below are the complete branch details for Vikas Souharda Co-operative Bank Limited, GAJENDRAGADA branch, located in GADAG, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is VSBA0000013. 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 VSBA0000013 for Vikas Souharda Co-operative Bank Limited – GAJENDRAGADA — 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 Vikas Souharda Co-operative Bank Limited – GAJENDRAGADA is VSBA0000013. The first four letters VSBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000013 map to this branch in GADAG, KARNATAKA.

Branch details at a glance

About the bank

Vikas Souharda Co-operative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gajendragada branch in Gadag, Karnataka is part of this network and uses the IFSC code VSBA0000013 for all electronic settlement.

About this branch

The branch is located at MALAGI COMPLEX,KUSHTAGI ROAD,GAJENDRAGADA. It serves the Gadag region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Vikas Souharda Co-operative Bank Limited. The IFSC VSBA0000013 is used to identify this branch on the RBI payments network.

Why every Vikas Souharda Co-operative 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 GAJENDRAGADA of Vikas Souharda Co-operative Bank Limited — its own 11-character IFSC. The code VSBA0000013 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 VSBA0000013 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 VSBA0000013

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 VSBA0000013 across all three.

NEFT to Vikas Souharda Co-operative Bank Limited, GAJENDRAGADA using IFSC VSBA0000013

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 VSBA0000013, and confirm that the system picks up Vikas Souharda Co-operative Bank Limited – GAJENDRAGADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GAJENDRAGADA

If you need to transfer ₹2 lakh or more in one go to an account at Vikas Souharda Co-operative Bank Limited's GAJENDRAGADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VSBA0000013 while initiating the transfer and the credit will appear within minutes.

IMPS to Vikas Souharda Co-operative Bank Limited GAJENDRAGADA (IFSC VSBA0000013)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VSBA0000013 in your mobile or internet banking app, and the money is credited to the GAJENDRAGADA branch account within seconds.

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

All three modes accept the IFSC VSBA0000013 for Vikas Souharda Co-operative Bank Limited – GAJENDRAGADA, 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 Gajendragada 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 Vikas Souharda Co-operative Bank Limited's GAJENDRAGADA branch, the IFSC VSBA0000013 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 Gajendragada branch is mapped to IFSC VSBA0000013 on the RBI payments network. The branch generally supports the full retail product catalogue of Vikas Souharda Co-operative 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 VSBA0000013.

Products and services

Customers walking into the Gajendragada branch can access most of Vikas Souharda Co-operative 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 VSBA0000013

MICR & cheque-truncation details

Cheques drawn on the Gajendragada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VSBA0000013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Gajendragada 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 VSBA0000013 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.

Common mistakes to avoid when using IFSC VSBA0000013

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 Vikas Souharda Co-operative Bank Limited – GAJENDRAGADA, 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: VSBA0000013.
• 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 Gajendragada branch

The branch is located at MALAGI COMPLEX,KUSHTAGI ROAD,GAJENDRAGADA, which puts it inside Gadag, the broader Gajendragada district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Vikas Souharda Co-operative Bank Limited Gajendragada branch” — the verified location pin for IFSC VSBA0000013 should appear at the top of the results.
2. Confirm the branch is open by calling 8381-200490 before stepping out, especially around public holidays.
3. 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 VSBA0000013 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VSBA0000013 for Vikas Souharda Co-operative Bank Limited – GAJENDRAGADA, 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.

Working hours

Branch counters at Gajendragada 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 VSBA0000013 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VSBA0000013 belongs to Vikas Souharda Co-operative Bank Limited's GAJENDRAGADA branch, located at MALAGI COMPLEX,KUSHTAGI ROAD,GAJENDRAGADA in GADAG, KARNATAKA. 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.