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Gujarat State Coop Bank IFSC and MICR Code:

State wise list of Gujarat State Coop Bank IFSC code, MICR code and addresses of all branches in India

Locate any details of Gujarat State Coop Bank branch in India.

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Gujarat State Co-operative Bank (GSC Bank) IFSC Code:

Those looking for money transfer options that are secure as well as quick need not look further than Gujarat State Co-operative Bank’s (GSC Bank) NEFT and RTGS services. These two offerings, introduced by the Reserve Bank of India (RBI), come with the assurance of a fast as well as a safe way to send money online.

Both the services were introduced with the aim of improving the money transfer services in the country. With the rapid strides internet baking is making in the country, most areas now have access to internet-based banking products and services, making these services accessible to a wide population.

The services make money transfer an instant and hassle free process, with the minimum amount of information required to initiate a transaction. Since the service is online, customers can initiate a transfer wherever they are.

When making a request, the individual merely has to enter the recipient’s bank details such as his name, bank account number, bank name and branch along with the IFSC code and amount.

The IFSC or Indian Financial Services Code is another feature introduced by RBI to help regulate the online money transfer process. It also helps in determining the origin and destination bank branches in a transaction. Every bank branch that is part of the NEFT network is assigned a unique IFSC code.

The code itself is 11 characters long and consists of both alphabets as well as numbers. The first four characters are the bank’s name, while the fifth character is deliberately left blank for use later. The last six characters are numeric code specific to the branch. To illustrate, the GSC Bank’s Ahmadabad’s IFSC code is GSCB0000001, where “GSCB” stands for the bank name, “0” is left blank and “000001” is the code for the Ahmadabad branch.

How to Locate Gujarat State Co-operative Bank (GSC Bank) IFSC and MICR Codes?

Entering the correct GSC Bank IFSC or MICR codes is very important when making a money transfer request. In case you are not sure about the code for any particular bank or branch, you can refer to source both online and offline for information.

Those looking offline can find the code printed on the cheque books issued at the particular bank branch. The bank also prints the code on the first page of passbooks issued at the branch.

For those looking online, they can refer to the bank’s official website, which generally has a list of all the branches and their IFSC and MICR codes.

Another way to access the IFSC and MICR codes of all bank branches in the NEFT network is through a website like BankBazaar. They have not just the IFSC codes, but also provide additional information like branch working hours, contact details and the address. To get access to this information, simply visit the BankBazaar homepage and select the “Bank IFSC” tab. You will be redirected to a page where you will have to enter the bank name, state, district and branch name. Once you have filled in the information, the IFSC and MICR codes will be displayed on the screen, along with the address, etc.

Transferring funds is now a simple and convenient process with GSC Bank’s NEFT and RTGS services. You can easily transfer any amount of money without having to wait in queues or having to pay high charges. Information on using the two services is mentioned below.

National Electronic Fund Transfer (NEFT):

The NEFT services are provided by GSC Bank to its customers every Monday to Saturday during hours as specified by the bank branches. The service is not available on bank holidays, including on second and fourth Saturdays. Any requests received after banking hours or those received on holidays would be processed on the next working day.

Customers using the NEFT service to transfer funds electronically can send any amount of money as there is no upper or lower limit. The transactions would be processed in hourly batches during banking hours, with transactions bundled and settled at the end of the hour.

GSC Bank does not charge its customers for payments received through the service, but it charges a fee for payments made through the service. The schedule of charges is given below:

Amount Charges
Up to Rs. 10, 000 Rs. 2.50 for every transaction
Rs. 10, 001 to Rs. 1, 00, 000 Rs. 5 for every transaction
Rs. 1, 00, 001-Rs. 2, 00, 000 Rs. 15 for every transaction
Rs. 2, 00, 001 and above Rs. 25 for every transaction

The rates mentioned above are inclusive of service tax.

Real Time Gross Settlement (RTGS):

Real Time Gross Settlement (RTGS), like NEFT, is sued to transfer money wirelessly across all NEFT-enabled branches in the country. RTGS is the fastest means of money transfer, with every transaction being settled on a real time basis, meaning the request is processed as soon as it is approved by the bank.

Each transaction is settled on a gross basis, meaning transactions are settled individually. Each transaction is recorded in RBI’s books. Thus, once an RTGS transfer request is placed, it is irrevocable and cannot be taken back.

RTGS transactions do not have a ceiling when it comes to the amount that can be transferred at a time, but a minimum amount of Rs. 2 lakh has be transferred each time. Thus RTGS services are used when transferring large amounts of money in the quickest possible time.

There is no charge levied for money received through RTGS transfers. GSC Bank charges its customers for money sent using the service, with the rates mentioned in the below table:

Amount Charges
Rs. 2 lakh to Rs. 5 lakh Rs. 25 for every transaction
Above Rs. 5 lakhs Rs. 50 for every transaction

The above mentioned rates are inclusive of service tax.

The Gujarat State Co-operative Bank, also known as GSC Bank, is a Co-operative bank that was set up in the state of Gujarat in the year 1960. It was set up to cater to the needs of the rural communities and sponsors facilities such as farmer’s hostels and other measures in addition to financial services. The bank operates 15 branches in Gujarat and provides a number of banking products and services such as loans, internet banking facilities, insurance products as well as online fund transfer.


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