IFSC Code of Prime Cooperative Bank Limited, Mota Varachha Branch, Gujarat

Below are the complete branch details for Prime Cooperative Bank Limited, MOTA VARACHHA branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is PMEC0105050. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case PMEC0105050 for Prime Cooperative Bank Limited – MOTA VARACHHA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Prime Cooperative Bank Limited's MOTA VARACHHA branch, the IFSC PMEC0105050 breaks down as follows: PMEC identifies the bank, 0 is the reserved character, and 105050 identifies this particular branch.

About the bank

Prime Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mota Varachha branch in Surat, Gujarat is part of this network and uses the IFSC code PMEC0105050 for all electronic settlement.

About this branch

The branch is located at GROUND FLOOR SHOP NO 18 AND 19, MANTRA ITC,TPS NO 18, FP NO-92, BLOCK NO 684,PAIKEE 1, R.S.NO 474, RAM CHOWK, MOTA VARACHHA-SURAT-394101.. 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 Prime Cooperative Bank Limited. The IFSC PMEC0105050 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every Prime Cooperative Bank Limited 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 of Prime Cooperative Bank Limited — its own 11-character IFSC. The code PMEC0105050 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 PMEC0105050 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Prime Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC PMEC0105050 and the account number together uniquely identify the Mota Varachha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC PMEC0105050

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 PMEC0105050 across all three.

NEFT to Prime Cooperative Bank Limited, MOTA VARACHHA using IFSC PMEC0105050

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC PMEC0105050, and confirm that the system picks up Prime Cooperative Bank Limited – MOTA VARACHHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MOTA VARACHHA

If you need to transfer ₹2 lakh or more in one go to an account at Prime Cooperative Bank Limited's MOTA VARACHHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC PMEC0105050 while initiating the transfer and the credit will appear within minutes.

IMPS to Prime Cooperative Bank Limited MOTA VARACHHA (IFSC PMEC0105050)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC PMEC0105050 in your mobile or internet banking app, and the money is credited to the MOTA VARACHHA branch account within seconds.

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

All three modes accept the IFSC PMEC0105050 for Prime Cooperative Bank Limited – MOTA VARACHHA, 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 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 Prime Cooperative Bank Limited's MOTA VARACHHA branch, the IFSC PMEC0105050 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.

Products and account variants supported

Every account opened at the Mota Varachha branch is mapped to IFSC PMEC0105050 on the RBI payments network. The branch generally supports the full retail product catalogue of Prime Cooperative Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains PMEC0105050.

Banking services available

The Mota Varachha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2804777.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC PMEC0105050

Online banking and IFSC PMEC0105050

Prime Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MOTA VARACHHA 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 PMEC0105050 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.

Reaching the branch

The Mota Varachha branch sits at GROUND FLOOR SHOP NO 18 AND 19, MANTRA ITC,TPS NO 18, FP NO-92, BLOCK NO 684,PAIKEE 1, R.S.NO 474, RAM CHOWK, MOTA VARACHHA-SURAT-394101.. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 2804777 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC PMEC0105050 and your account number.

Common mistakes to avoid when using IFSC PMEC0105050

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 Prime Cooperative Bank Limited – MOTA VARACHHA, 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: PMEC0105050.
• 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.

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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC PMEC0105050, however, work 24x7.

Verifying IFSC PMEC0105050 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm PMEC0105050 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2804777.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code PMEC0105050 belongs to Prime Cooperative Bank Limited's MOTA VARACHHA branch, located at GROUND FLOOR SHOP NO 18 AND 19, MANTRA ITC,TPS NO 18, FP NO-92, BLOCK NO… 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.