IFSC Code of Vikas Souharda Co-operative Bank Limited, Sindhanur Branch, Karnataka

Use this page as a one-stop reference for everything related to Vikas Souharda Co-operative Bank Limited's SINDHANUR branch in RAICHUR, KARNATAKA. The branch's IFSC code VSBA0000002 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Vikas Souharda Co-operative Bank Limited's SINDHANUR branch, the IFSC VSBA0000002 breaks down as follows: VSBA identifies the bank, 0 is the reserved character, and 000002 identifies this particular branch.

About the bank

Vikas Souharda Co-operative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sindhanur branch in Raichur, Karnataka is part of this network and uses the IFSC code VSBA0000002 for all electronic settlement.

Branch details at a glance

About the Sindhanur branch

The Sindhanur branch of Vikas Souharda Co-operative Bank Limited is situated at GANGAVATHI ROAD,SINDHANUR - 584 128. 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 VSBA0000002 is used.

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 Vikas Souharda Co-operative Bank Limited's SINDHANUR branch came to be assigned the code VSBA0000002.

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 VSBA0000002, money simply cannot be routed to the SINDHANUR branch electronically.

Products and account variants supported

Every account opened at the Sindhanur branch is mapped to IFSC VSBA0000002 on the RBI payments network. The branch generally supports the full retail product catalogue of Vikas Souharda Co-operative 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 VSBA0000002.

Banking services available

The Sindhanur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8535-220609.

• 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 VSBA0000002

How to transfer money using IFSC VSBA0000002

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 VSBA0000002 across all three.

NEFT to Vikas Souharda Co-operative Bank Limited, SINDHANUR using IFSC VSBA0000002

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 VSBA0000002, and confirm that the system picks up Vikas Souharda Co-operative Bank Limited – SINDHANUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC VSBA0000002

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 Vikas Souharda Co-operative Bank Limited – SINDHANUR, ensure your bank's portal accepts IFSC VSBA0000002 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Vikas Souharda Co-operative Bank Limited SINDHANUR (IFSC VSBA0000002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC VSBA0000002 in your mobile or internet banking app, and the money is credited to the SINDHANUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sindhanur

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 VSBA0000002:

• 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 SINDHANUR is still linked to IFSC VSBA0000002.

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 Vikas Souharda Co-operative Bank Limited's SINDHANUR branch, the IFSC VSBA0000002 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 Sindhanur 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 VSBA0000002 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 Sindhanur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC VSBA0000002 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 Vikas Souharda Co-operative Bank Limited – SINDHANUR:

• The IFSC is exactly VSBA0000002 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Vikas Souharda Co-operative Bank Limited as the bank name and SINDHANUR 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.

Reaching the branch

The Sindhanur branch sits at GANGAVATHI ROAD,SINDHANUR - 584 128. If you are travelling from outside Raichur, search for the branch on a maps application using the bank name and locality, or call 8535-220609 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC VSBA0000002 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC VSBA0000002 for Vikas Souharda Co-operative Bank Limited – SINDHANUR, 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 Sindhanur 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 VSBA0000002 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: VSBA0000002 is the IFSC code of Vikas Souharda Co-operative Bank Limited, SINDHANUR branch, in RAICHUR, KARNATAKA. 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.