IFSC Code of The Varachha Cooperative Bank Limited, Navsari Branch Branch, Gujarat

Use this page as a one-stop reference for everything related to The Varachha Cooperative Bank Limited's NAVSARI BRANCH branch in NAVSARI, GUJARAT. The branch's IFSC code VARA0289009 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Varachha Cooperative Bank Limited – NAVSARI BRANCH is VARA0289009. The first four letters VARA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 289009 map to this branch in NAVSARI, GUJARAT.

About the bank

The Varachha Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Navsari Branch branch in Navsari, Gujarat is part of this network and uses the IFSC code VARA0289009 for all electronic settlement.

About this branch

The branch is located at SNEJHKUNJ APPARTMENT, RAILWAY STATION ROAD, NAVSARI-396445. It serves the Navsari 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 Varachha Cooperative Bank Limited. The IFSC VARA0289009 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every The Varachha 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 NAVSARI BRANCH of The Varachha Cooperative Bank Limited — its own 11-character IFSC. The code VARA0289009 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 VARA0289009 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 The Varachha 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 VARA0289009 and the account number together uniquely identify the Navsari Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC VARA0289009

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 VARA0289009 across all three.

NEFT to The Varachha Cooperative Bank Limited, NAVSARI BRANCH using IFSC VARA0289009

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 VARA0289009, and confirm that the system picks up The Varachha Cooperative Bank Limited – NAVSARI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NAVSARI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Varachha Cooperative Bank Limited's NAVSARI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VARA0289009 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Varachha Cooperative Bank Limited – NAVSARI BRANCH, use IMPS. With IFSC VARA0289009 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC VARA0289009 for The Varachha Cooperative Bank Limited – NAVSARI BRANCH, 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 Navsari Branch 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 The Varachha Cooperative Bank Limited's NAVSARI BRANCH branch, the IFSC VARA0289009 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 Navsari Branch branch is mapped to IFSC VARA0289009 on the RBI payments network. The branch generally supports the full retail product catalogue of The Varachha 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 VARA0289009.

Products and services

Customers walking into the Navsari Branch branch can access most of The Varachha Cooperative Bank Limited'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 VARA0289009

Digital banking channels

Most day-to-day work that customers used to do at the Navsari Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC VARA0289009 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Navsari Branch branch sits at SNEJHKUNJ APPARTMENT, RAILWAY STATION ROAD, NAVSARI-396445. If you are travelling from outside Navsari, search for the branch on a maps application using the bank name and locality, or call 261-6918261 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 VARA0289009 and your account number.

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 Varachha Cooperative Bank Limited – NAVSARI BRANCH:

• The IFSC is exactly VARA0289009 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Varachha Cooperative Bank Limited as the bank name and NAVSARI BRANCH 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.

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 Navsari Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VARA0289009, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VARA0289009 for The Varachha Cooperative Bank Limited – NAVSARI BRANCH, 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 address & contact

Frequently asked questions

Final notes

To recap: VARA0289009 is the IFSC code of The Varachha Cooperative Bank Limited, NAVSARI BRANCH branch, in NAVSARI, 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.