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

Below are the complete branch details for Ambarnath Jaihind Cooperative Bank Limited Ambarnath, branch, located in , MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is AJHC0001013. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case AJHC0001013 for Ambarnath Jaihind Cooperative Bank Limited Ambarnath – — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Ambarnath Jaihind Cooperative Bank Limited Ambarnath – is AJHC0001013. The first four letters AJHC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001013 map to this branch in , MAHARASHTRA.

About Ambarnath Jaihind Cooperative Bank Limited Ambarnath

Ambarnath Jaihind Cooperative Bank Limited Ambarnath operates a wide network of branches across India, including the branch in . Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, AJHC0001013.

Branch details at a glance

About this branch

The branch is located at PANVELKAR OPTIMA,SHOP NO.7,8,9,GR.FLOOR,KATRAP. 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 AJHC0001013 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 AJHC0001013.

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 AJHC0001013, money simply cannot be routed to the branch electronically.

Account types you can open at the branch

Once you have an account at Ambarnath Jaihind Cooperative Bank Limited Ambarnath – , the IFSC AJHC0001013 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.

Banking services available

The branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2693335.

• 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 AJHC0001013

How to transfer money using IFSC AJHC0001013

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 AJHC0001013 across all three.

How to use IFSC AJHC0001013 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Ambarnath Jaihind Cooperative Bank Limited Ambarnath's branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC AJHC0001013.
4. Confirm the bank name auto-populates as Ambarnath Jaihind Cooperative Bank Limited Ambarnath and the branch as .
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC AJHC0001013

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 AJHC0001013 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Ambarnath Jaihind Cooperative Bank Limited Ambarnath – , use IMPS. With IFSC AJHC0001013 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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 AJHC0001013:

• 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 AJHC0001013.

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 Ambarnath Jaihind Cooperative Bank Limited Ambarnath's branch, the IFSC AJHC0001013 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 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 AJHC0001013 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 branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AJHC0001013 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 Ambarnath Jaihind Cooperative Bank Limited Ambarnath – :

• The IFSC is exactly AJHC0001013 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Ambarnath Jaihind Cooperative Bank Limited Ambarnath as the bank name and 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 branch sits at PANVELKAR OPTIMA,SHOP NO.7,8,9,GR.FLOOR,KATRAP. If you are travelling from outside , search for the branch on a maps application using the bank name and locality, or call 2693335 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 AJHC0001013 and your account number.

Verifying IFSC AJHC0001013 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 AJHC0001013 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2693335.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at 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 AJHC0001013 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AJHC0001013 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.