Branch Details — VARA0289020
| Bank Name | Varachha Co-operative Bank |
| Branch Name | Kargil Chowk Punagam Branch |
| IFSC Code | VARA0289020 |
| MICR Code | 395289018 |
| Bank Code (RBI) | VARA |
| Branch Code | 289020 |
| Address | SHOP NO. 110 TO 113, 1ST FLOOR,NILKANTH PLAZA,NR BALAJI RESIDENCY ,KARGIL CHOWK,PUNAGAM |
| City | Surat |
| District | Surat |
| State | Gujarat |
| Contact | +912616918371 |
| NEFT | ✓ Enabled — 24×7 |
| RTGS | ✓ Enabled — 24×7 |
| IMPS | ✓ Enabled — 24×7 |
| UPI | ✓ Enabled |
Transfer Methods Using VARA0289020
NEFT
Available 24×7 including holidays. Settled in 30-minute batches. No minimum. Use IFSC VARA0289020.
RTGS
Available 24×7. Minimum ₹2 lakh. Real-time gross settlement. Use IFSC VARA0289020.
IMPS
Instant 24×7, 365 days. Up to ₹5 lakh per transaction.
Frequently Asked Questions
The IFSC code is VARA0289020. This 11-character RBI-assigned code is required for NEFT, RTGS and IMPS transfers to accounts at Varachha Co-operative Bank Kargil Chowk Punagam Branch branch, Surat, Gujarat.
The MICR code is 395289018. It is a 9-digit code printed at the bottom of cheques, used only for cheque clearing.
Address: SHOP NO. 110 TO 113, 1ST FLOOR,NILKANTH PLAZA,NR BALAJI RESIDENCY ,KARGIL CHOWK,PUNAGAM. Branch timings: Monday–Friday 9:30 AM – 3:30 PM, Saturday 9:30 AM – 1:30 PM (closed 2nd/4th Saturdays).
VARA identifies Varachha Co-operative Bank. The 5th character 0 is reserved by RBI. The last 6 characters 289020 identify the Kargil Chowk Punagam Branch branch.
Yes. Varachha Co-operative Bank Kargil Chowk Punagam Branch Branch (IFSC: VARA0289020) is fully enabled for NEFT, RTGS, IMPS, UPI, available 24×7 including weekends and holidays.
Log in to your bank's net banking or mobile app → Fund Transfer → Add Beneficiary → enter account number and IFSC VARA0289020 → select NEFT/RTGS/IMPS → confirm with OTP.