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

If you are searching for the IFSC code of The Varachha Cooperative Bank Limited, MOTA VARACHHA BRANCH branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is VARA0289013. 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 MOTA VARACHHA BRANCH branch, and detailed step-by-step guides for using the IFSC VARA0289013 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.

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 – MOTA VARACHHA BRANCH is VARA0289013. The first four letters VARA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 289013 map to this branch in SURAT, GUJARAT.

Bank profile

The Varachha Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Mota Varachha Branch branch — IFSC VARA0289013 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

About the Mota Varachha Branch branch

The Mota Varachha Branch branch of The Varachha Cooperative Bank Limited is situated at GROUND FLOOR, ABHISHEK-III RESIDENCY, NR. SUDAMA CHOWK, MOTA VARACHHA, SURAT 394101. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code VARA0289013 is used.

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 MOTA VARACHHA BRANCH branch came to be assigned the code VARA0289013.

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 VARA0289013, money simply cannot be routed to the MOTA VARACHHA BRANCH branch electronically.

Account types you can open at the Mota Varachha Branch branch

Once you have an account at The Varachha Cooperative Bank Limited – MOTA VARACHHA BRANCH, the IFSC VARA0289013 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 Mota Varachha Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-6918301.

• 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 VARA0289013

How to transfer money using IFSC VARA0289013

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 VARA0289013 across all three.

NEFT to The Varachha Cooperative Bank Limited, MOTA VARACHHA BRANCH using IFSC VARA0289013

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 VARA0289013, and confirm that the system picks up The Varachha Cooperative Bank Limited – MOTA VARACHHA 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 MOTA VARACHHA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Varachha Cooperative Bank Limited's MOTA VARACHHA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VARA0289013 while initiating the transfer and the credit will appear within minutes.

IMPS to The Varachha Cooperative Bank Limited MOTA VARACHHA BRANCH (IFSC VARA0289013)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VARA0289013 in your mobile or internet banking app, and the money is credited to the MOTA VARACHHA BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mota Varachha 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 VARA0289013:

• 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 MOTA VARACHHA BRANCH is still linked to IFSC VARA0289013.

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 VARA0289013

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 – MOTA VARACHHA BRANCH is still mapped to IFSC VARA0289013. 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 VARA0289013 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 Mota Varachha 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 VARA0289013 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 & cheque-truncation details

Cheques drawn on the Mota Varachha Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VARA0289013 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MOTA VARACHHA BRANCH:

• The IFSC is exactly VARA0289013 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 MOTA VARACHHA 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.

How to reach the Mota Varachha Branch branch

The branch is located at GROUND FLOOR, ABHISHEK-III RESIDENCY, NR. SUDAMA CHOWK, MOTA VARACHHA, SURAT 394101, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Varachha Cooperative Bank Limited Mota Varachha Branch branch” — the verified location pin for IFSC VARA0289013 should appear at the top of the results.
2. Confirm the branch is open by calling 261-6918301 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC VARA0289013 and your account number.

Verifying IFSC VARA0289013 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 VARA0289013 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-6918301.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mota Varachha 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 VARA0289013 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VARA0289013 belongs to The Varachha Cooperative Bank Limited's MOTA VARACHHA BRANCH branch, located at GROUND FLOOR, ABHISHEK-III RESIDENCY, NR. SUDAMA CHOWK, MOTA VARACHHA, 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.