IFSC Code: GSCB0USMM05

What is IFSC and Why It Matters?

The IFSC code GSCB0USMM05 uniquely identifies a bank branch for electronic payments. It is required for NEFT, RTGS, and IMPS transfers. Always verify with your bank before use.

How IFSC GSCB0USMM05 is structured

An IFSC code has 11 characters. The first four characters identify the bank, the fifth character is kept as 0 (zero) for future use, and the last six characters identify the individual branch.

• Bank code: GSCB — for THE GUJARAT STATE COOPERATIVE BANK LIMITED
• Reserved character: 0 — usually fixed as 0
• Branch code: USMM05 — identifies SHREE MAHALAXMI MERCANTILE CO OPERATIVE BANK LTD SULTANPURA,VADODARA in VADODARA, GUJARAT

Frequently Asked Questions

• Where can I find the IFSC code for my bank branch?
  The IFSC code is usually printed on your cheque book, passbook, and bank statements. You can also verify it on the official RBI or bank website.
• Can I use IFSC for international money transfers?
  No. IFSC is used only for domestic electronic transfers within India (NEFT, RTGS, IMPS). For international transfers, SWIFT codes are required.
• What happens if I enter the wrong IFSC code during a transfer?
  If the IFSC is invalid, the transaction will fail. If it’s valid but points to the wrong branch, funds may be misrouted. Always double‑check with your bank before confirming.

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