Gujarat State Co-operative Bank
THE SURAT MERCANTILE CO OP BANK LTD ANAND MAHEL BRANCH
+912612744496
Understanding IFSC Code: The Digital DNA of Gujarat State Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the THE SURAT MERCANTILE CO OP BANK LTD ANAND MAHEL
branch of Gujarat State Co-operative Bank, the code GSCB0SMCB10 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the GSCB0SMCB10 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"GSCB" represents Gujarat State Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for THE SURAT MERCANTILE CO OP BANK LTD ANAND MAHEL
Payment Systems Supported by GSCB0SMCB10
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—395245010—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Gujarat State Co-operative Bank in SURAT typically follows the RBI holiday calendar. Digital transfers via GSCB0SMCB10 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While GSCB0SMCB10 is the valid code for THE SURAT MERCANTILE CO OP BANK LTD ANAND MAHEL at SURAT, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • THE SURAT MERCANTILE CO OP BANK LTD ANAND MAHEL Contact
- • Address of Gujarat State Co-operative Bank
- • MICR Code Finder
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Platform Links
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- • IFSC Finder v2.0
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