Viramgam Mercantile Co-operative Bank
Viramgam Mercantile Co-operative Bank IMPS BRANCH
+912715233531
Understanding IFSC Code: The Digital DNA of Viramgam Mercantile Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Viramgam Mercantile Co-operative Bank IMPS
branch of Viramgam Mercantile Co-operative Bank, the code GSCB0UVIRAM 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 GSCB0UVIRAM 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 Viramgam Mercantile Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Viramgam Mercantile Co-operative Bank IMPS
Payment Systems Supported by GSCB0UVIRAM
| 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—380118064—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 Viramgam Mercantile Co-operative Bank in VIRAMGAM typically follows the RBI holiday calendar. Digital transfers via GSCB0UVIRAM 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 GSCB0UVIRAM is the valid code for Viramgam Mercantile Co-operative Bank IMPS at VIRAMGAM, 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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