Sardargunj Mercantile Co Operative Bank Patan Sardargunj Mercantile Co-operative Bank Patan Imps IFSC Code
Sardargunj Mercantile Co Operative Bank Patan
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Sardargunj Mercantile Co-operative Bank Patan Imps
Address
The Sardar Gunj Mercantile Co.op.bank Ltd. H.o. Sardargunj, Patan 384 265 , North Gujarat
View on Google MapsDistrict
Patan
State
Maharashtra
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Frequently Asked Questions
About Sardargunj Mercantile Co Operative Bank Patan Sardargunj Mercantile Co-operative Bank Patan Imps (the Sardar Gunj Mercantile C - Mcbl), Patan
The IFSC code GSCB0USMCBL (lowercase: gscb0usmcbl) belongs to Sardargunj Mercantile Co Operative Bank Patan, specifically the Sardargunj Mercantile Co-operative Bank Patan Imps (the Sardar Gunj Mercantile C - Mcbl) branch located in Patan, Maharashtra.
The 5th character in the IFSC code GSCB0USMCBL is a zero (0), not the letter 'O'. The correct format is GSCB0USMCBL (lowercase: gscb0usmcbl), and not GSCBOUSMCBL. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Sardargunj Mercantile Co Operative Bank Patan Sardargunj Mercantile Co-operative Bank Patan Imps (the Sardar Gunj Mercantile C - Mcbl) in Patan, Maharashtra is GSCB0USMCBL. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Sardargunj Mercantile Co Operative Bank Patan Sardargunj Mercantile Co-operative Bank Patan Imps (the Sardar Gunj Mercantile C - Mcbl) is located at The Sardar Gunj Mercantile Co.op.bank Ltd. H.o. Sardargunj, Patan 384 265 , North Gujarat, Patan, Maharashtra. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Sardargunj Mercantile Co Operative Bank Patan Sardargunj Mercantile Co-operative Bank Patan Imps (the Sardar Gunj Mercantile C - Mcbl) is 384817081. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code GSCB0USMCBL is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code GSCB0USMCBL by checking: (1) The top-left corner of any Sardargunj Mercantile Co Operative Bank Patan Sardargunj Mercantile Co-operative Bank Patan Imps (the Sardar Gunj Mercantile C - Mcbl) cheque leaf, (2) The first page of your Sardargunj Mercantile Co Operative Bank Patan passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: GSCB0USMCBL
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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GSCB0USMCBL
What Each Part Means
- Bank Code — GSCB
- The first 4 characters uniquely identify Sardargunj Mercantile Co Operative Bank Patan at the national level. Every branch of Sardargunj Mercantile Co Operative Bank Patan across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — USMCBL
- The final 6 characters USMCBL uniquely identify this specific branch within the Sardargunj Mercantile Co Operative Bank Patan network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | GSCB | Identifies Sardargunj Mercantile Co Operative Bank Patan |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | USMCBL | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Sardargunj Mercantile Co Operative Bank Patan
Sardargunj Mercantile Co-operative Bank Patan Imps (the Sardar Gunj Mercantile C - Mcbl), Patan, Maharashtra
Cheque No.
00000000
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | GSCB0USMCBL | 384817081 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.