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

If you are searching for the IFSC code of The Varachha Cooperative Bank Limited, KADODRA BRANCH branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is VARA0289004. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KADODRA BRANCH branch, and detailed step-by-step guides for using the IFSC VARA0289004 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 KADODRA BRANCH branch, the IFSC VARA0289004 breaks down as follows: VARA identifies the bank, 0 is the reserved character, and 289004 identifies this particular branch.

Branch details at a glance

Bank profile

The Varachha Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kadodra Branch branch — IFSC VARA0289004 — extends the bank's services to customers in and around Surat, Gujarat.

Kadodra Branch branch overview

Located at THAKORJI COMPLEX, KADODRA CHAR RASTA, KADODRA-394327, the Kadodra Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC VARA0289004 is required for all interbank electronic transfers routed through this branch.

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 KADODRA BRANCH branch came to be assigned the code VARA0289004.

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 VARA0289004, money simply cannot be routed to the KADODRA BRANCH branch electronically.

How to transfer money using IFSC VARA0289004

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 VARA0289004 across all three.

NEFT to The Varachha Cooperative Bank Limited, KADODRA BRANCH using IFSC VARA0289004

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 VARA0289004, and confirm that the system picks up The Varachha Cooperative Bank Limited – KADODRA 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 KADODRA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Varachha Cooperative Bank Limited's KADODRA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VARA0289004 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 – KADODRA BRANCH, use IMPS. With IFSC VARA0289004 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 VARA0289004 for The Varachha Cooperative Bank Limited – KADODRA 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 Kadodra 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 KADODRA BRANCH branch, the IFSC VARA0289004 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 Kadodra Branch branch is mapped to IFSC VARA0289004 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 VARA0289004.

Products and services

Customers walking into the Kadodra 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 VARA0289004

MICR & cheque-truncation details

Cheques drawn on the Kadodra Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VARA0289004 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 Kadodra 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 VARA0289004 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 – KADODRA BRANCH:

• The IFSC is exactly VARA0289004 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 KADODRA 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 Kadodra Branch branch sits at THAKORJI COMPLEX, KADODRA CHAR RASTA, KADODRA-394327. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-6918211 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 VARA0289004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VARA0289004 for The Varachha Cooperative Bank Limited – KADODRA 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 Kadodra 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 VARA0289004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: VARA0289004 is the IFSC code of The Varachha Cooperative Bank Limited, KADODRA BRANCH 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.