GSCB0ASCB03: Gujarat State Co-operative Bank, Associate Co Op Bank Ltd Umarwada
IFSC code GSCB0ASCB03 belongs to the Associate Co Op Bank Ltd Umarwada branch of Gujarat State Co-operative Bank in Surat, Gujarat. Its MICR code is 395449003.
- IFSC
- GSCB0ASCB03
- MICR
- 395449003
- Branch
- Associate Co Op Bank Ltd Umarwada
- District
- Surat
- State
- Gujarat
- Phone
- +912612322494
Branch address
Gujarat State Co-operative Bank
20 to 23, Sai Darshan Market, Behind Millenium Market, Umarwada, Surat
Payment systems
| System | On RBI's list for this branch | What it is for |
|---|---|---|
| NEFT | Yes | Transfers of any amount, settled in half-hourly batches, all day |
| RTGS | Yes | Large transfers (₹2 lakh and above), settled one by one in real time |
| IMPS | Yes | Instant transfers, any time, usually for smaller amounts |
| UPI | Yes | Payments by UPI ID or mobile number from apps |
Reading this IFSC
GSCB is Gujarat State Co-operative Bank's bank code, the fifth character 0 is kept for future use, and ASCB03 is the code of the Associate Co Op Bank Ltd Umarwada branch. In the MICR code 395449003, 395 is the city, 449 the bank and 003 the branch.
Other Gujarat State Co-operative Bank branches in Surat
All 33 Gujarat State Co-operative Bank branches in Surat
IFSC and your loan
When you take a loan through Oxon Fintech, the lending partner (a bank or NBFC) pays the money straight into your own bank account, so the application asks for your account number and its IFSC. Check both against your passbook or cheque book: a wrong IFSC can delay the payment. Oxon never asks for your OTP, PIN, CVV or passwords.
- Personal loan and business loan — apply once, see offers from several lenders.
- EMI calculator — the monthly payment for any amount and tenure.
Data: the Reserve Bank of India's list of NEFT and RTGS bank branches, as compiled by Razorpay's open-source IFSC dataset. Bank details change from time to time (branches merge, move or close); confirm the IFSC with your bank or on your cheque book before you send money. Oxon Fintech is a loan platform, not a bank, and is not linked to the banks listed.
The IFSC of Gujarat State Co-operative Bank's Associate Co Op Bank Ltd Umarwada branch (Surat, Gujarat) is GSCB0ASCB03.
395449003. MICR is printed at the bottom of the branch's cheques.
20 to 23, Sai Darshan Market, Behind Millenium Market, Umarwada, Surat
RBI's list shows this branch on NEFT, RTGS, IMPS and UPI. Use the IFSC GSCB0ASCB03 with the beneficiary's account number.
Ready to get started?
Pick a loan, share a few details and see the offers you may be eligible for — no obligation.
- One application
- Paperless, AA-based
- No obligation

