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

Below are the complete branch details for The Varachha Cooperative Bank Limited, PAL BRANCH branch, located in SURAT, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is VARA0289021. 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 VARA0289021 for The Varachha Cooperative Bank Limited – PAL 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 PAL BRANCH branch, the IFSC VARA0289021 breaks down as follows: VARA identifies the bank, 0 is the reserved character, and 289021 identifies this particular branch.

About The Varachha Cooperative Bank Limited

The Varachha Cooperative Bank Limited operates a wide network of branches across India, including the Pal Branch branch in Surat. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, VARA0289021.

About the Pal Branch branch

The Pal Branch branch of The Varachha Cooperative Bank Limited is situated at GR FLOOR, SHOP NO. 23-24,SIDDHACHAKARA RESIDENCY-B,GALAXY CIRCLE,GREEN CITY ROAD,PAL. 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 VARA0289021 is used.

Branch details at a glance

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 PAL BRANCH branch came to be assigned the code VARA0289021.

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 VARA0289021, money simply cannot be routed to the PAL BRANCH branch electronically.

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 VARA0289021 and the account number together uniquely identify the Pal 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 VARA0289021

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 VARA0289021 across all three.

NEFT to The Varachha Cooperative Bank Limited, PAL BRANCH using IFSC VARA0289021

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 VARA0289021, and confirm that the system picks up The Varachha Cooperative Bank Limited – PAL BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC VARA0289021

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 – PAL BRANCH, ensure your bank's portal accepts IFSC VARA0289021 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Varachha Cooperative Bank Limited PAL BRANCH (IFSC VARA0289021)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VARA0289021 in your mobile or internet banking app, and the money is credited to the PAL BRANCH branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC VARA0289021 for The Varachha Cooperative Bank Limited – PAL 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 Pal 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.

UPI payments and IFSC VARA0289021

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 – PAL BRANCH is still mapped to IFSC VARA0289021. 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 VARA0289021 and the beneficiary's account number to complete the transfer.

Account types you can open at the Pal Branch branch

Once you have an account at The Varachha Cooperative Bank Limited – PAL BRANCH, the IFSC VARA0289021 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.

Products and services

Customers walking into the Pal 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 VARA0289021

Online banking and IFSC VARA0289021

The Varachha Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PAL BRANCH branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC VARA0289021 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Pal Branch branch

The branch is located at GR FLOOR, SHOP NO. 23-24,SIDDHACHAKARA RESIDENCY-B,GALAXY CIRCLE,GREEN CITY ROAD,PAL, 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 Pal Branch branch” — the verified location pin for IFSC VARA0289021 should appear at the top of the results.
2. Confirm the branch is open by calling 261-6918381 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 VARA0289021 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 – PAL BRANCH:

• The IFSC is exactly VARA0289021 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 PAL 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 Pal Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VARA0289021, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VARA0289021 for The Varachha Cooperative Bank Limited – PAL 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 VARA0289021 belongs to The Varachha Cooperative Bank Limited's PAL BRANCH branch, located at GR FLOOR, SHOP NO. 23-24,SIDDHACHAKARA RESIDENCY-B,GALAXY CIRCLE,GREEN CITY… 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.