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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Varachha Cooperative Bank Limited, SERVICE BRANCH branch in SURAT. The 11-digit IFSC VARA00000SC 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 SERVICE 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.

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, VARA00000SC is the IFSC of The Varachha Cooperative Bank Limited's SERVICE BRANCH branch. The format is fixed: VARA = bank code, 0 = reserved, 0000SC = branch identifier.

Branch details at a glance

About the bank

The Varachha Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Service Branch branch in Surat, Gujarat is part of this network and uses the IFSC code VARA00000SC for all electronic settlement.

Service Branch branch overview

Located at SAHAKAR BHAVAN OPP. RUSHIKESH TOWNSHIP, VRAJCHOWK, SARTHANA JAKATANAKA, the Service 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 VARA00000SC 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 SERVICE BRANCH branch came to be assigned the code VARA00000SC.

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 VARA00000SC, money simply cannot be routed to the SERVICE BRANCH branch electronically.

How to transfer money using IFSC VARA00000SC

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 VARA00000SC across all three.

How to use IFSC VARA00000SC 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 SERVICE 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 VARA00000SC.
4. Confirm the bank name auto-populates as The Varachha Cooperative Bank Limited and the branch as SERVICE 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 VARA00000SC

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 – SERVICE BRANCH, ensure your bank's portal accepts IFSC VARA00000SC while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Varachha Cooperative Bank Limited – SERVICE BRANCH, use IMPS. With IFSC VARA00000SC and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Service 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 VARA00000SC:

• 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 SERVICE BRANCH is still linked to IFSC VARA00000SC.

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 VARA00000SC

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 – SERVICE BRANCH is still mapped to IFSC VARA00000SC. 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 VARA00000SC and the beneficiary's account number to complete the transfer.

Account types you can open at the Service Branch branch

Once you have an account at The Varachha Cooperative Bank Limited – SERVICE BRANCH, the IFSC VARA00000SC 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 Service Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-6918000.

• 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 VARA00000SC

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 VARA00000SC and the account number together uniquely identify the Service Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Service 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 VARA00000SC 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 – SERVICE BRANCH:

• The IFSC is exactly VARA00000SC 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 SERVICE 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 Service Branch branch

The branch is located at SAHAKAR BHAVAN OPP. RUSHIKESH TOWNSHIP, VRAJCHOWK, SARTHANA JAKATANAKA, 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 Service Branch branch” — the verified location pin for IFSC VARA00000SC should appear at the top of the results.
2. Confirm the branch is open by calling 261-6918000 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 VARA00000SC and your account number.

Verifying IFSC VARA00000SC 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 VARA00000SC by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-6918000.
• 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 Service Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VARA00000SC, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code VARA00000SC belongs to The Varachha Cooperative Bank Limited's SERVICE BRANCH branch, located at SAHAKAR BHAVAN OPP. RUSHIKESH TOWNSHIP, VRAJCHOWK, SARTHANA JAKATANAKA 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.