IFSC Code of The Mehsana Urban Cooperative Bank, Varachha Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Mehsana Urban Cooperative Bank, VARACHHA branch in SURAT. The 11-digit IFSC MSNU0000031 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 The Mehsana Urban Cooperative Bank at the VARACHHA 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, MSNU0000031 is the IFSC of The Mehsana Urban Cooperative Bank's VARACHHA branch. The format is fixed: MSNU = bank code, 0 = reserved, 000031 = branch identifier.

Branch details at a glance

About the bank

The Mehsana Urban Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Varachha branch in Surat, Gujarat is part of this network and uses the IFSC code MSNU0000031 for all electronic settlement.

About this branch

The branch is located at B/H RAJHANS POINT VARACHHA ROAD SURAT-395006. 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 The Mehsana Urban Cooperative Bank. The IFSC MSNU0000031 is used to identify this branch on the RBI payments network.

Why every The Mehsana Urban Cooperative 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 VARACHHA of The Mehsana Urban Cooperative Bank — its own 11-character IFSC. The code MSNU0000031 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 MSNU0000031 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 MSNU0000031

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 MSNU0000031 across all three.

How to use IFSC MSNU0000031 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Mehsana Urban Cooperative Bank's VARACHHA 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 MSNU0000031.
4. Confirm the bank name auto-populates as The Mehsana Urban Cooperative Bank and the branch as VARACHHA.
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 MSNU0000031

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 The Mehsana Urban Cooperative Bank – VARACHHA, ensure your bank's portal accepts IFSC MSNU0000031 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Mehsana Urban Cooperative Bank VARACHHA (IFSC MSNU0000031)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MSNU0000031 in your mobile or internet banking app, and the money is credited to the VARACHHA branch account within seconds.

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

All three modes accept the IFSC MSNU0000031 for The Mehsana Urban Cooperative Bank – 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 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.

UPI payments and IFSC MSNU0000031

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Mehsana Urban Cooperative Bank – VARACHHA is still mapped to IFSC MSNU0000031. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC MSNU0000031 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Varachha branch is mapped to IFSC MSNU0000031 on the RBI payments network. The branch generally supports the full retail product catalogue of The Mehsana Urban Cooperative Bank, 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 MSNU0000031.

Banking services available

The Varachha branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2554001.

• 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 MSNU0000031

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Mehsana Urban Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MSNU0000031 and the account number together uniquely identify the Varachha branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC MSNU0000031

The Mehsana Urban Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the 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 MSNU0000031 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Mehsana Urban Cooperative Bank – VARACHHA:

• The IFSC is exactly MSNU0000031 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Mehsana Urban Cooperative Bank as the bank name and VARACHHA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Varachha branch sits at B/H RAJHANS POINT VARACHHA ROAD SURAT-395006. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2554001 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 MSNU0000031 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MSNU0000031 for The Mehsana Urban Cooperative Bank – VARACHHA, 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 Varachha branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MSNU0000031, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: MSNU0000031 is the IFSC code of The Mehsana Urban Cooperative Bank, VARACHHA branch, in SURAT, GUJARAT. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.