IFSC Code of Ambarnath Jaihind Cooperative Bank Limited Ambarnath, Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Ambarnath Jaihind Cooperative Bank Limited Ambarnath, branch in . The 11-digit IFSC AJHC0001009 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Ambarnath Jaihind Cooperative Bank Limited Ambarnath at the location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 Ambarnath Jaihind Cooperative Bank Limited Ambarnath's branch, the IFSC AJHC0001009 breaks down as follows: AJHC identifies the bank, 0 is the reserved character, and 001009 identifies this particular branch.

Branch details at a glance

About the bank

Ambarnath Jaihind Cooperative Bank Limited Ambarnath serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its branch in , Maharashtra is part of this network and uses the IFSC code AJHC0001009 for all electronic settlement.

About this branch

The branch is located at PLOT.NO.31,SURYODAY CO-OP HOUSING SOC. It serves the region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Ambarnath Jaihind Cooperative Bank Limited Ambarnath. The IFSC AJHC0001009 is used to identify this branch on the RBI payments network.

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 Ambarnath Jaihind Cooperative Bank Limited Ambarnath's branch came to be assigned the code AJHC0001009.

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 AJHC0001009, money simply cannot be routed to the branch electronically.

How to transfer money using IFSC AJHC0001009

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 AJHC0001009 across all three.

NEFT to Ambarnath Jaihind Cooperative Bank Limited Ambarnath, using IFSC AJHC0001009

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 AJHC0001009, and confirm that the system picks up Ambarnath Jaihind Cooperative Bank Limited Ambarnath – . Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AJHC0001009

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 Ambarnath Jaihind Cooperative Bank Limited Ambarnath – , ensure your bank's portal accepts IFSC AJHC0001009 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Ambarnath Jaihind Cooperative Bank Limited Ambarnath (IFSC AJHC0001009)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AJHC0001009 in your mobile or internet banking app, and the money is credited to the branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to

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 AJHC0001009:

• 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 is still linked to IFSC AJHC0001009.

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.

UPI payments and IFSC AJHC0001009

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 Ambarnath Jaihind Cooperative Bank Limited Ambarnath – is still mapped to IFSC AJHC0001009. 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 AJHC0001009 and the beneficiary's account number to complete the transfer.

Account types you can open at the branch

Once you have an account at Ambarnath Jaihind Cooperative Bank Limited Ambarnath – , the IFSC AJHC0001009 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the branch can access most of Ambarnath Jaihind Cooperative Bank Limited Ambarnath'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 AJHC0001009

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Ambarnath Jaihind Cooperative Bank Limited Ambarnath carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AJHC0001009 and the account number together uniquely identify the branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the 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 AJHC0001009 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.

Common mistakes to avoid when using IFSC AJHC0001009

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 Ambarnath Jaihind Cooperative Bank Limited Ambarnath – , 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: AJHC0001009.
• 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 branch

The branch is located at PLOT.NO.31,SURYODAY CO-OP HOUSING SOC, which puts it inside , the broader district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Ambarnath Jaihind Cooperative Bank Limited Ambarnath branch” — the verified location pin for IFSC AJHC0001009 should appear at the top of the results.
2. Confirm the branch is open by calling 2609749 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 AJHC0001009 and your account number.

Verifying IFSC AJHC0001009 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm AJHC0001009 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2609749.
• Visiting the bank's official branch locator page.

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 branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AJHC0001009, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: AJHC0001009 is the IFSC code of Ambarnath Jaihind Cooperative Bank Limited Ambarnath, branch, in , MAHARASHTRA. 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.