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

Below are the complete branch details for The Varachha Cooperative Bank Limited, ADAJAN BRANCH branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is VARA0289017. 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 VARA0289017 for The Varachha Cooperative Bank Limited – ADAJAN 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 ADAJAN BRANCH branch, the IFSC VARA0289017 breaks down as follows: VARA identifies the bank, 0 is the reserved character, and 289017 identifies this particular branch.

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 Adajan Branch branch in Surat, Gujarat is part of this network and uses the IFSC code VARA0289017 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at SHOP NO. 1, GROUND FLOOR, SOVEREIGN SHOPPERS, NR. SINDHU SEVA SAMITI SCHOOL, ANANDMAHAL ROAD, ADAJAN. 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 VARA0289017 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Varachha Cooperative Bank Limited's ADAJAN BRANCH branch came to be assigned the code VARA0289017.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC VARA0289017, money simply cannot be routed to the ADAJAN BRANCH branch electronically.

Account types you can open at the Adajan Branch branch

Once you have an account at The Varachha Cooperative Bank Limited – ADAJAN BRANCH, the IFSC VARA0289017 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.

Banking services available

The Adajan Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-6918341.

• 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 VARA0289017

How to transfer money using IFSC VARA0289017

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 VARA0289017 across all three.

How to use IFSC VARA0289017 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 ADAJAN 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 VARA0289017.
4. Confirm the bank name auto-populates as The Varachha Cooperative Bank Limited and the branch as ADAJAN BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to ADAJAN BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Varachha Cooperative Bank Limited's ADAJAN BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VARA0289017 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 – ADAJAN BRANCH, use IMPS. With IFSC VARA0289017 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 Adajan 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 VARA0289017:

• 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 ADAJAN BRANCH is still linked to IFSC VARA0289017.

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.

UPI payments and IFSC VARA0289017

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 Varachha Cooperative Bank Limited – ADAJAN BRANCH is still mapped to IFSC VARA0289017. 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 VARA0289017 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Adajan 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 VARA0289017 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.

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 VARA0289017 and the account number together uniquely identify the Adajan Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – ADAJAN BRANCH:

• The IFSC is exactly VARA0289017 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 ADAJAN 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.

Reaching the branch

The Adajan Branch branch sits at SHOP NO. 1, GROUND FLOOR, SOVEREIGN SHOPPERS, NR. SINDHU SEVA SAMITI SCHOOL, ANANDMAHAL ROAD, ADAJAN. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-6918341 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 VARA0289017 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VARA0289017 for The Varachha Cooperative Bank Limited – ADAJAN 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.

Working hours

Branch counters at Adajan Branch are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to VARA0289017 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VARA0289017 belongs to The Varachha Cooperative Bank Limited's ADAJAN BRANCH branch, located at SHOP NO. 1, GROUND FLOOR, SOVEREIGN SHOPPERS, NR. SINDHU SEVA SAMITI SCHOOL,… 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.