IFSC Code of The Varachha Cooperative Bank Limited, Vraj Chowk Branch, Gujarat

Use this page as a one-stop reference for everything related to The Varachha Cooperative Bank Limited's VRAJ CHOWK branch in SURAT, GUJARAT. The branch's IFSC code VARA0289026 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.

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 – VRAJ CHOWK is VARA0289026. The first four letters VARA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 289026 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 Vraj Chowk branch — IFSC VARA0289026 — extends the bank's services to customers in and around Surat, Gujarat.

Branch details at a glance

About the Vraj Chowk branch

The Vraj Chowk branch of The Varachha Cooperative Bank Limited is situated at 1ST FLOOR, ADMINISTRATIVE BUILDING, OPP. RUSHIKESH TOWNSHIP, NEAR VRAJ CHOWK, SARTHANA VARACHHA ROAD. 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 VARA0289026 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 VRAJ CHOWK of The Varachha Cooperative Bank Limited — its own 11-character IFSC. The code VARA0289026 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 VARA0289026 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Vraj Chowk branch is mapped to IFSC VARA0289026 on the RBI payments network. The branch generally supports the full retail product catalogue of The Varachha Cooperative Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains VARA0289026.

Products and services

Customers walking into the Vraj Chowk 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 VARA0289026

How to transfer money using IFSC VARA0289026

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 VARA0289026 across all three.

How to use IFSC VARA0289026 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 VRAJ CHOWK 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 VARA0289026.
4. Confirm the bank name auto-populates as The Varachha Cooperative Bank Limited and the branch as VRAJ CHOWK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to VRAJ CHOWK

If you need to transfer ₹2 lakh or more in one go to an account at The Varachha Cooperative Bank Limited's VRAJ CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VARA0289026 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Varachha Cooperative Bank Limited – VRAJ CHOWK, use IMPS. With IFSC VARA0289026 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 Vraj Chowk

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 VARA0289026:

• 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 VRAJ CHOWK is still linked to IFSC VARA0289026.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Varachha Cooperative Bank Limited's VRAJ CHOWK branch, the IFSC VARA0289026 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Vraj Chowk 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 VARA0289026 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 Vraj Chowk branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VARA0289026 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC VARA0289026

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Varachha Cooperative Bank Limited – VRAJ CHOWK, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: VARA0289026.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Vraj Chowk branch

The branch is located at 1ST FLOOR, ADMINISTRATIVE BUILDING, OPP. RUSHIKESH TOWNSHIP, NEAR VRAJ CHOWK, SARTHANA VARACHHA ROAD, 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 Vraj Chowk branch” — the verified location pin for IFSC VARA0289026 should appear at the top of the results.
2. Confirm the branch is open by calling 261-6918431 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 VARA0289026 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VARA0289026 for The Varachha Cooperative Bank Limited – VRAJ CHOWK, 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 Vraj Chowk 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 VARA0289026 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: VARA0289026 is the IFSC code of The Varachha Cooperative Bank Limited, VRAJ CHOWK 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.