GST No.: 24AABAT4356N1Z6               

Welcome to The Varachha Co-operative Bank Ltd.

The people of Saurashtra of Western Gujarat have moved away from their rain-starved native to Textile and Diamond city of Surat in search for income generation and survival almost four decades ago. Since then Saurashtrians have considered Surat as their home land. After coming to Surat, some individuals began trading business while majority of them entered into labour front.

In a phased manner, the population of the people, involved in diamond trade, belonging to Saurashtra increased to a sizeable extent in Surat, particularly in the area of Varachha, making it mandatory to have a Bank of their own.

Total Business 5479 Crores

Financial Strength Unaudited Data (As on 31/03/2024)

Share Capital
119.30 Crores

3395.13 Crores

Working Capital
3919 Crores

Reserve Funds
283 Crores

2083.78 Crores

Net Profit
36.37 Crores

Explore the power of Simpler & Smarter Banking

Varachha Bank provides various kind of Banking Services, Insurance Services and bundle of Digital Banking Services for more easy and convenient banking.

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VCB Loan Schemes

Attractive Loan Schemes at very competitive rate of interest & reasonable documentation with fast disposal.

Varachh Bank - Loan Services

VCB Deposit Schemes

VCB provides attractive deposit Schemes with more benefits to its customers.

Varachh Bank - Deposit Services

VCB Services & Utilities

Freedom from conventional banking, We are providing bunch of digital banking services for our customer IMPS & UPI 24x7, Net/Mobile Banking along with bank have 8 transactional e-Lobby with ATM, Cash Recyclers, Cheque Deposit Kiosk and Self Passbook Machine also.

Varachh Bank - Utility Services

VCB Insurance Services

Now, instead of different agents of different companies, all insurance services will be provided under one roof by Varachha Bank.

Varachh Bank - Insurance Services

VCB Mobile Banking

With VCB Mobile Banking discover quick, simple and convenient way to take command of your bank account, on your mobile phone.

Varachha Bank provide various financial and non-financial transaction like

  • Internal Fund Transfer
  • IMPS transaction (24 x 7 x 365)
  • NEFT Transaction
  • Utility Bill Pay(Gas, Electricity, Water Bill etc.)
  • Recharge (Mobile/DTH)
  • Mini & Detailed Statement
  • New Cheque Book & Cheque Stop Payment Request
  • Clearing Cheque Status (I/W / O/W) etc.
  • ATM Card On/Off/Block Facility


The Varachha Co-Op Bank Ltd., Surat is
registered with DICGC


Useful Downloads

Download forms of Savings Account, Current Account, RTGS/NEFT, SMS Banking Registration, Net Banking, Mobile Banking, Aadhar Linkage, Fixed Deposits and Annual Reports of Bank from our download section.

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Customer Awareness

In accordance with the RBI (Reserve Bank Of India) guidelines, customer should know about transactions of account through ATMs, Net Banking, Mobile Banking & Account KYC, Deposits & Schemes etc.

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Unclaimed Deposits

As per RBI guidelines Banks have been advised that they should display the list of unclaimed deposits/inoperative accounts which are inactive / inoperative for ten years or more on their respective websites.

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