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Introduction to The Gujarat State Co-Operative Bank Ltd.

The Gujarat State Cooperative Bank Ltd. is a Scheduled Bank (Registered under The Gujarat Cooperative Societies Act 1961) having requisite Banking License with Head Office located in Ahmedabad. As an Apex bank it serves the credit and financial needs of nearly 28 Lakhs farmers of 10319 PACS through the 18 District Central Cooperative Banks (DCCBs).

GSC Bank is committed to rural and agriculture development through the vast network of short term cooperative credit structure spread throughout the State of Gujarat. GSC Bank stands for three tier structure, prosperity and cooperative principles. GSC Bank provides retail banking services to its customers through a network of 33 branches in Ahmedabad, Gandhinagar, Halvad & Gandhidham.


The Gujarat State Cooperative Bank Ltd. was established in year 1960 and registered under The Gujarat Cooperative Societies Act 1961.

Since its inception GSC Bank has served the needs of millions of farmers across Gujarat. Since 2013, GSC Bank has ventured into Retail banking and is continuously expanding its reach to serve more and more people.


GSC Bank is a pioneer of many new products and services. Our team strives for excellence with a customer centric approach, an openness to change and adopts the latest and modern banking technologies.

These efforts are being recognized and GSC Bank has been receiving awards consistently from NABARD, Government of Gujarat, NAFSCOB and others for its pioneering efforts in technology, best cyber security measures, best overall performance and corporate governance.

It has been receiving such awards in the past as well as for last five consecutive years.

Technology Umbrella – Strengthening Cooperative Banking Structure Across Gujarat

GSC Bank pioneered the use of technology to establish a Technology Umbrella under which all smaller Co-operative banks can become the sub-members of GSC bank and can offer the latest services like RTGS / NEFT, CTS, DBT, CSGL, BBPS and other NACH services to their customers.

With this solution, sub member banks can provide latest services using GSC Bank’s technology infrastructure without having to invest heavily in creating their own infrastructure.

Modernization & Adoption of Latest Technology.

  • GSC Bank provides services on CBS platform, equipped with all latest technology in a completely air-conditioned environment.
  • Adoption of latest technology by obtaining membership of RTGS & NEFT services.
  • Cheque Truncation System that enables fast and easy clearing is being made mandatory in a phased manner for all the banks. GSC Bank has taken the Membership of NPCI and established a CHI centre at its Head Office. Since the same needs heavy investment, GSC Bank as Apex Bank provides CTS sub membership to other DCCBs and Urban Co-op. Banks.
  • GSC Bank provides the facility of CSGL – Constituent Subsidiary General Ledger Accounts for investment in Govt. Securities etc.
  • GSC Bank is equipped with latest technology and amenities including farmer’s hostel, auditorium, computer lab and sports / recreation facilities.

Strengthening District Cooperative Banks

The GSC Bank initiated serval steps to improve the performance of some DCCBs which required to achieve minimum CRAR in order to get RBI license. Board level committee was also formatted to review the performance. The state Government also provided assistance to those banks to achieve minimum CRAR.

Now, one DCCB earns operating profit while all other DCCBs in the state are earing net profit, have minimum 9% CRAR and have requisite RBI license.

Farmers' Hostel & Multi-Functional Auditorium

Close proximity to Gandhinagar makes it an ideal place to stay. Especially for farmers who visit Ahmedabad or Gandhinagar for any work related to the Government or trading or any medical / special needs, GSC Bank has established a Farmer’s Hostel having 58 rooms and a capacity of 300 persons with in house catering facility provided at concessional rates.

By establishing / providing such facility Bank’s aim is to provide a comfortable, secure and affordable accommodation in Ahmedabad city to the needy farmers.

GSC Bank has established a big auditorium at its Head Office. The state of art auditorium has a capacity of seating 400 people and is fully equipped with latest audio / visual / digital display devices.

Meetings, awareness seminars, etc. functions are held regularly in the auditorium not only by GSC Bank but by other cooperative banks & public sector institutes.

Sahakar Bhavan - Ektanagar

The Gujarat State Cooperative Bank was established in the year 1960 and registered under the Gujarat Cooperative Societies Act 1961. As an Apex bank it serves the credit and financial needs of nearly 28 Lakhs farmers of 10319 PACS through the 18 District Central Cooperative Banks (DCCBs).

With the inspiration of Hon’ble Prime Minister Shri Narendrabhai Modi & Hon’ble Minister of Cooperation Shri Amitbhai Shah The Gujarat State Co-op Bank, under the visionary leadership of its Chairman, Shri Ajaybhai H. Patel and Board of Directors has developed this Training Centre/Sahakar Bhavan at Ekta Nagar near “Statue of Unity” in Narmada District of Gujarat.

Other Initiatives (Awareness, Financial Inclusion & Support)

  • GSC Bank organizes “Khedut Shibirs” at Taluka / Block levels in Gujarat State, where the Bank provides know-how on Modern Agriculture Techniques, awareness of various development Schemes of the Government & Financial literacy.
  • It also provides financial assistance to DCCB’s for conducting KRISHI SHIBIRS.
  • GSC Bank provides regular technological updates, know-how of new products / services, updates on regulatory compliances & shares best practices with all its sub member banks in Gujarat state.
  • GSC Bank encourages to promotes Self Help Groups (SHG) and Joint Liability Groups (JLGs) by providing guidance and facilitates of refinancing to them. GSC Bank also conducted workshops at different levels to provide necessary financial support to JLGs and SHGs.
  • Various initiatives like supporting DCCBs for constituting Farmer’s Clubs and encouraging DCCBs to establish Financial Literacy Centres at lower and block level are an integral part of GSC Bank’s efforts in strengthening of the co-operative structure in the state of Gujarat.