Sardargunj Mercantile Co-operative Bank Patan
Sardargunj Mercantile Co-operative Bank Patan IMPS BRANCH
+912766220265
Understanding IFSC Code: The Digital DNA of Sardargunj Mercantile Co-operative Bank Patan
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Sardargunj Mercantile Co-operative Bank Patan IMPS
branch of Sardargunj Mercantile Co-operative Bank Patan, the code GSCB0USMCBL 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 GSCB0USMCBL 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 Sardargunj Mercantile Co-operative Bank Patan
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Sardargunj Mercantile Co-operative Bank Patan IMPS
Payment Systems Supported by GSCB0USMCBL
| 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—384817081—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 Sardargunj Mercantile Co-operative Bank Patan in PATAN typically follows the RBI holiday calendar. Digital transfers via GSCB0USMCBL 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 GSCB0USMCBL is the valid code for Sardargunj Mercantile Co-operative Bank Patan IMPS at PATAN, ensure the beneficiary name matches perfectly in your mobile banking app.
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Financial Tools
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Branch Context
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Platform Links
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