IFSC Code of The Varachha Cooperative Bank Limited, A.K.Road Branch Branch, Gujarat

Below are the complete branch details for The Varachha Cooperative Bank Limited, A.K.ROAD BRANCH branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is VARA0289018. 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 VARA0289018 for The Varachha Cooperative Bank Limited – A.K.ROAD BRANCH — 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 The Varachha Cooperative Bank Limited's A.K.ROAD BRANCH branch, the IFSC VARA0289018 breaks down as follows: VARA identifies the bank, 0 is the reserved character, and 289018 identifies this particular branch.

Bank profile

The Varachha Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The A.K.Road Branch branch — IFSC VARA0289018 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at SHOP NO. 6 TO 10, 1ST FLOOR,TWIN TOWER,ANKUR CHAR RASTA,A.K.ROAD,SURAT. 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 Varachha Cooperative Bank Limited. The IFSC VARA0289018 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 A.K.ROAD BRANCH of The Varachha Cooperative Bank Limited — its own 11-character IFSC. The code VARA0289018 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 VARA0289018 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 VARA0289018 and the account number together uniquely identify the A.K.Road 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 VARA0289018

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 VARA0289018 across all three.

How to use IFSC VARA0289018 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Varachha Cooperative Bank Limited's A.K.ROAD BRANCH 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 VARA0289018.
4. Confirm the bank name auto-populates as The Varachha Cooperative Bank Limited and the branch as A.K.ROAD BRANCH.
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 VARA0289018

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 Varachha Cooperative Bank Limited – A.K.ROAD BRANCH, ensure your bank's portal accepts IFSC VARA0289018 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Varachha Cooperative Bank Limited – A.K.ROAD BRANCH, use IMPS. With IFSC VARA0289018 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to A.K.Road Branch

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC VARA0289018:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at A.K.ROAD BRANCH is still linked to IFSC VARA0289018.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 A.K.ROAD BRANCH branch, the IFSC VARA0289018 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 A.K.Road Branch branch is mapped to IFSC VARA0289018 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 VARA0289018.

Products and services

Customers walking into the A.K.Road 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 VARA0289018

Digital banking channels

Most day-to-day work that customers used to do at the A.K.Road 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 VARA0289018 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 A.K.Road Branch branch sits at SHOP NO. 6 TO 10, 1ST FLOOR,TWIN TOWER,ANKUR CHAR RASTA,A.K.ROAD,SURAT. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-6918351 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 VARA0289018 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 – A.K.ROAD BRANCH:

• The IFSC is exactly VARA0289018 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 A.K.ROAD 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 A.K.Road Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VARA0289018, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VARA0289018 for The Varachha Cooperative Bank Limited – A.K.ROAD 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

Summary

The IFSC code VARA0289018 belongs to The Varachha Cooperative Bank Limited's A.K.ROAD BRANCH branch, located at SHOP NO. 6 TO 10, 1ST FLOOR,TWIN TOWER,ANKUR CHAR RASTA,A.K.ROAD,SURAT 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.