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

Use this page as a one-stop reference for everything related to The Varachha Cooperative Bank Limited's HIRABAUG BRANCH branch in SURAT, GUJARAT. The branch's IFSC code VARA0289015 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.

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 HIRABAUG BRANCH branch, the IFSC VARA0289015 breaks down as follows: VARA identifies the bank, 0 is the reserved character, and 289015 identifies this particular branch.

Branch details at a glance

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 Hirabaug Branch branch in Surat, Gujarat is part of this network and uses the IFSC code VARA0289015 for all electronic settlement.

About this branch

The branch is located at SHOP NO. 7-9,MANGALDEEP COMPLEX,OPP.SHREE RAMNAGAR SOCETY,HIRABAUG,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 Varachha Cooperative Bank Limited. The IFSC VARA0289015 is used to identify this branch on the RBI payments network.

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 HIRABAUG BRANCH of The Varachha Cooperative Bank Limited — its own 11-character IFSC. The code VARA0289015 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 VARA0289015 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 VARA0289015

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 VARA0289015 across all three.

How to use IFSC VARA0289015 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 HIRABAUG 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 VARA0289015.
4. Confirm the bank name auto-populates as The Varachha Cooperative Bank Limited and the branch as HIRABAUG 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 HIRABAUG BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Varachha Cooperative Bank Limited's HIRABAUG BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VARA0289015 while initiating the transfer and the credit will appear within minutes.

IMPS to The Varachha Cooperative Bank Limited HIRABAUG BRANCH (IFSC VARA0289015)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VARA0289015 in your mobile or internet banking app, and the money is credited to the HIRABAUG BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Hirabaug 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 VARA0289015:

• 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 HIRABAUG BRANCH is still linked to IFSC VARA0289015.

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 VARA0289015

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 – HIRABAUG BRANCH is still mapped to IFSC VARA0289015. 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 VARA0289015 and the beneficiary's account number to complete the transfer.

Account types you can open at the Hirabaug Branch branch

Once you have an account at The Varachha Cooperative Bank Limited – HIRABAUG BRANCH, the IFSC VARA0289015 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 Hirabaug Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-6918321.

• 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 VARA0289015

MICR & cheque-truncation details

Cheques drawn on the Hirabaug Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VARA0289015 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Hirabaug 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 VARA0289015 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.

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 – HIRABAUG BRANCH:

• The IFSC is exactly VARA0289015 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 HIRABAUG 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 Hirabaug Branch branch sits at SHOP NO. 7-9,MANGALDEEP COMPLEX,OPP.SHREE RAMNAGAR SOCETY,HIRABAUG,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 261-6918321 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 VARA0289015 and your account number.

Verifying IFSC VARA0289015 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 VARA0289015 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-6918321.
• Visiting the bank's official branch locator page.

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 Hirabaug Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VARA0289015, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VARA0289015 belongs to The Varachha Cooperative Bank Limited's HIRABAUG BRANCH branch, located at SHOP NO. 7-9,MANGALDEEP COMPLEX,OPP.SHREE RAMNAGAR SOCETY,HIRABAUG,SURAT-395006 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.