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

Use this page as a one-stop reference for everything related to The Varachha Cooperative Bank Limited's SACHIN BRANCH branch in SURAT, GUJARAT. The branch's IFSC code VARA0289008 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, VARA0289008 is the IFSC of The Varachha Cooperative Bank Limited's SACHIN BRANCH branch. The format is fixed: VARA = bank code, 0 = reserved, 289008 = branch identifier.

Bank profile

The Varachha Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sachin Branch branch — IFSC VARA0289008 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

Sachin Branch branch overview

Located at LAXMIVILLA TOWNSHIP, G.I.D.C., SACHIN-394230, the Sachin 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 VARA0289008 is required for all interbank electronic transfers routed through this branch.

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 SACHIN BRANCH of The Varachha Cooperative Bank Limited — its own 11-character IFSC. The code VARA0289008 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 VARA0289008 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Sachin Branch branch

Once you have an account at The Varachha Cooperative Bank Limited – SACHIN BRANCH, the IFSC VARA0289008 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 Sachin Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-6918251.

• 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 VARA0289008

How to transfer money using IFSC VARA0289008

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 VARA0289008 across all three.

How to use IFSC VARA0289008 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 SACHIN 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 VARA0289008.
4. Confirm the bank name auto-populates as The Varachha Cooperative Bank Limited and the branch as SACHIN BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC VARA0289008

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 – SACHIN BRANCH, ensure your bank's portal accepts IFSC VARA0289008 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Varachha Cooperative Bank Limited SACHIN BRANCH (IFSC VARA0289008)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VARA0289008 in your mobile or internet banking app, and the money is credited to the SACHIN BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sachin 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 VARA0289008:

• 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 SACHIN BRANCH is still linked to IFSC VARA0289008.

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 VARA0289008

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 – SACHIN BRANCH is still mapped to IFSC VARA0289008. 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 VARA0289008 and the beneficiary's account number to complete the transfer.

Online banking and IFSC VARA0289008

The Varachha Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SACHIN 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 VARA0289008 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.

MICR & cheque-truncation details

Cheques drawn on the Sachin Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VARA0289008 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 – SACHIN BRANCH:

• The IFSC is exactly VARA0289008 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 SACHIN 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 Sachin Branch branch

The branch is located at LAXMIVILLA TOWNSHIP, G.I.D.C., SACHIN-394230, 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 Sachin Branch branch” — the verified location pin for IFSC VARA0289008 should appear at the top of the results.
2. Confirm the branch is open by calling 261-6918251 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 VARA0289008 and your account number.

Verifying IFSC VARA0289008 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 VARA0289008 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-6918251.
• 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 Sachin Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VARA0289008, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: VARA0289008 is the IFSC code of The Varachha Cooperative Bank Limited, SACHIN 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.