IFSC Code of Indusind Bank, Mota Varachha Surat Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Indusind Bank, MOTA VARACHHA SURAT branch in SURAT. The 11-digit IFSC INDB0001709 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Indusind Bank at the MOTA VARACHHA SURAT location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, INDB0001709 is the IFSC of Indusind Bank's MOTA VARACHHA SURAT branch. The format is fixed: INDB = bank code, 0 = reserved, 001709 = branch identifier.

Branch details at a glance

Bank profile

Indusind Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Mota Varachha Surat branch — IFSC INDB0001709 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at SHOP NOS 4 5 6 12 SUNSHINE COMPLEX MOTA VARACHA MAIN ROAD SUDAMA CHOWK MOTA VARACHA SURAT PIN 394101 GUJARAT. It serves the Surat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indusind Bank. The IFSC INDB0001709 is used to identify this branch on the RBI payments network.

Why every Indusind Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including MOTA VARACHHA SURAT of Indusind Bank — its own 11-character IFSC. The code INDB0001709 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC INDB0001709 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC INDB0001709

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC INDB0001709 across all three.

How to use IFSC INDB0001709 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indusind Bank's MOTA VARACHHA SURAT branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC INDB0001709.
4. Confirm the bank name auto-populates as Indusind Bank and the branch as MOTA VARACHHA SURAT.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC INDB0001709

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indusind Bank – MOTA VARACHHA SURAT, ensure your bank's portal accepts IFSC INDB0001709 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Indusind Bank MOTA VARACHHA SURAT (IFSC INDB0001709)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC INDB0001709 in your mobile or internet banking app, and the money is credited to the MOTA VARACHHA SURAT branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC INDB0001709 for Indusind Bank – MOTA VARACHHA SURAT, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Mota Varachha Surat branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indusind Bank's MOTA VARACHHA SURAT branch, the IFSC INDB0001709 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Mota Varachha Surat branch

Once you have an account at Indusind Bank – MOTA VARACHHA SURAT, the IFSC INDB0001709 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Mota Varachha Surat branch can access most of Indusind Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC INDB0001709

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Indusind Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC INDB0001709 and the account number together uniquely identify the Mota Varachha Surat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC INDB0001709

Indusind Bank customers can register for net banking and the bank's official mobile app once their account at the MOTA VARACHHA SURAT branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC INDB0001709 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC INDB0001709

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Indusind Bank – MOTA VARACHHA SURAT, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: INDB0001709.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Mota Varachha Surat branch

The branch is located at SHOP NOS 4 5 6 12 SUNSHINE COMPLEX MOTA VARACHA MAIN ROAD SUDAMA CHOWK MOTA VARACHA SURAT PIN 394101 GUJARAT, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Indusind Bank Mota Varachha Surat branch” — the verified location pin for IFSC INDB0001709 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9913235089 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC INDB0001709 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC INDB0001709 for Indusind Bank – MOTA VARACHHA SURAT, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Mota Varachha Surat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC INDB0001709, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code INDB0001709 belongs to Indusind Bank's MOTA VARACHHA SURAT branch, located at SHOP NOS 4 5 6 12 SUNSHINE COMPLEX MOTA VARACHA MAIN ROAD SUDAMA CHOWK MOTA… in SURAT, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.