IFSC Code of The Vijay Cooperative Bank Limited, Sargasan Branch, Gujarat

Use this page as a one-stop reference for everything related to The Vijay Cooperative Bank Limited's SARGASAN branch in AHMEDABAD, GUJARAT. The branch's IFSC code VCOB0000004 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, VCOB0000004 is the IFSC of The Vijay Cooperative Bank Limited's SARGASAN branch. The format is fixed: VCOB = bank code, 0 = reserved, 000004 = branch identifier.

Branch details at a glance

Bank profile

The Vijay Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sargasan branch — IFSC VCOB0000004 — extends the bank's services to customers in and around Ahmedabad, Gujarat.

About the Sargasan branch

The Sargasan branch of The Vijay Cooperative Bank Limited is situated at KALUPUR CIRCLE,KALUPUR. 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 VCOB0000004 is used.

Why every The Vijay 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 SARGASAN of The Vijay Cooperative Bank Limited — its own 11-character IFSC. The code VCOB0000004 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 VCOB0000004 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 VCOB0000004

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 VCOB0000004 across all three.

NEFT to The Vijay Cooperative Bank Limited, SARGASAN using IFSC VCOB0000004

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 VCOB0000004, and confirm that the system picks up The Vijay Cooperative Bank Limited – SARGASAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SARGASAN

If you need to transfer ₹2 lakh or more in one go to an account at The Vijay Cooperative Bank Limited's SARGASAN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC VCOB0000004 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Vijay Cooperative Bank Limited – SARGASAN, use IMPS. With IFSC VCOB0000004 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC VCOB0000004 for The Vijay Cooperative Bank Limited – SARGASAN, 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 Sargasan 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 VCOB0000004

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 Vijay Cooperative Bank Limited – SARGASAN is still mapped to IFSC VCOB0000004. 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 VCOB0000004 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sargasan branch is mapped to IFSC VCOB0000004 on the RBI payments network. The branch generally supports the full retail product catalogue of The Vijay 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 VCOB0000004.

Products and services

Customers walking into the Sargasan branch can access most of The Vijay 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 VCOB0000004

MICR & cheque-truncation details

Cheques drawn on the Sargasan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VCOB0000004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Sargasan 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 VCOB0000004 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 Vijay Cooperative Bank Limited – SARGASAN:

• The IFSC is exactly VCOB0000004 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Vijay Cooperative Bank Limited as the bank name and SARGASAN 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 Sargasan branch

The branch is located at KALUPUR CIRCLE,KALUPUR, which puts it inside Ahmedabad, the broader Ahmedabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “The Vijay Cooperative Bank Limited Sargasan branch” — the verified location pin for IFSC VCOB0000004 should appear at the top of the results.
2. Confirm the branch is open by calling 79-22124613 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 VCOB0000004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VCOB0000004 for The Vijay Cooperative Bank Limited – SARGASAN, 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 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 Sargasan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC VCOB0000004, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: VCOB0000004 is the IFSC code of The Vijay Cooperative Bank Limited, SARGASAN branch, in AHMEDABAD, 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.