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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Varachha Cooperative Bank Limited, SARTHANA BRANCH branch in SURAT. The 11-digit IFSC VARA0289014 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Varachha Cooperative Bank Limited at the SARTHANA BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 – SARTHANA BRANCH is VARA0289014. The first four letters VARA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 289014 map to this branch in SURAT, GUJARAT.

Branch details at a glance

About The Varachha Cooperative Bank Limited

The Varachha Cooperative Bank Limited operates a wide network of branches across India, including the Sarthana 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, VARA0289014.

About the Sarthana Branch branch

The Sarthana Branch branch of The Varachha Cooperative Bank Limited is situated at 103,DEEPKAMAL COMMERCIAL HUB,NR.NATURE PARK,SARTHANA,SURAT-KAMREJ ROAD,SURAT-395006. 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 VARA0289014 is used.

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 SARTHANA BRANCH of The Varachha Cooperative Bank Limited — its own 11-character IFSC. The code VARA0289014 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 VARA0289014 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 VARA0289014

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 VARA0289014 across all three.

NEFT to The Varachha Cooperative Bank Limited, SARTHANA BRANCH using IFSC VARA0289014

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 VARA0289014, and confirm that the system picks up The Varachha Cooperative Bank Limited – SARTHANA 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 SARTHANA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Varachha Cooperative Bank Limited's SARTHANA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VARA0289014 while initiating the transfer and the credit will appear within minutes.

IMPS to The Varachha Cooperative Bank Limited SARTHANA BRANCH (IFSC VARA0289014)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VARA0289014 in your mobile or internet banking app, and the money is credited to the SARTHANA BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sarthana 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 VARA0289014:

• 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 SARTHANA BRANCH is still linked to IFSC VARA0289014.

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 VARA0289014

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 – SARTHANA BRANCH is still mapped to IFSC VARA0289014. 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 VARA0289014 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sarthana Branch branch

Once you have an account at The Varachha Cooperative Bank Limited – SARTHANA BRANCH, the IFSC VARA0289014 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 Sarthana Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-6918311.

• 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 VARA0289014

MICR & cheque-truncation details

Cheques drawn on the Sarthana Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VARA0289014 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC VARA0289014

The Varachha Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SARTHANA 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 VARA0289014 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.

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 – SARTHANA BRANCH:

• The IFSC is exactly VARA0289014 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 SARTHANA 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 Sarthana Branch branch

The branch is located at 103,DEEPKAMAL COMMERCIAL HUB,NR.NATURE PARK,SARTHANA,SURAT-KAMREJ ROAD,SURAT-395006, 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 Sarthana Branch branch” — the verified location pin for IFSC VARA0289014 should appear at the top of the results.
2. Confirm the branch is open by calling 261-6918311 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 VARA0289014 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VARA0289014 for The Varachha Cooperative Bank Limited – SARTHANA 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 Sarthana 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 VARA0289014 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VARA0289014 belongs to The Varachha Cooperative Bank Limited's SARTHANA BRANCH branch, located at 103,DEEPKAMAL COMMERCIAL HUB,NR.NATURE PARK,SARTHANA,SURAT-KAMREJ… 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.