IFSC Code of The Ahmednagar District Central Co-Operative Bank Ltd, Ajnuj Branch, Maharashtra

If you are searching for the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, AJNUJ branch in AHMEDNAGAR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is AHDC0000261. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the AJNUJ branch, and detailed step-by-step guides for using the IFSC AHDC0000261 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 The Ahmednagar District Central Co-Operative Bank Ltd – AJNUJ is AHDC0000261. The first four letters AHDC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000261 map to this branch in AHMEDNAGAR, MAHARASHTRA.

Bank profile

The Ahmednagar District Central Co-Operative Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Ajnuj branch — IFSC AHDC0000261 — extends the bank's services to customers in and around Ahmednagar, Maharashtra.

Ajnuj branch overview

Located at POST AJNUJ TAL SHRIGONDA 414701, the Ajnuj branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AHDC0000261 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 The Ahmednagar District Central Co-Operative Bank Ltd's AJNUJ branch came to be assigned the code AHDC0000261.

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 AHDC0000261, money simply cannot be routed to the AJNUJ branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Ahmednagar District Central Co-Operative Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AHDC0000261 and the account number together uniquely identify the Ajnuj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC AHDC0000261

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 AHDC0000261 across all three.

NEFT to The Ahmednagar District Central Co-Operative Bank Ltd, AJNUJ using IFSC AHDC0000261

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 AHDC0000261, and confirm that the system picks up The Ahmednagar District Central Co-Operative Bank Ltd – AJNUJ. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AJNUJ

If you need to transfer ₹2 lakh or more in one go to an account at The Ahmednagar District Central Co-Operative Bank Ltd's AJNUJ branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AHDC0000261 while initiating the transfer and the credit will appear within minutes.

IMPS to The Ahmednagar District Central Co-Operative Bank Ltd AJNUJ (IFSC AHDC0000261)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AHDC0000261 in your mobile or internet banking app, and the money is credited to the AJNUJ branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ajnuj

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 AHDC0000261:

• 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 AJNUJ is still linked to IFSC AHDC0000261.

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 AHDC0000261

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 The Ahmednagar District Central Co-Operative Bank Ltd – AJNUJ is still mapped to IFSC AHDC0000261. 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 AHDC0000261 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ajnuj branch

Once you have an account at The Ahmednagar District Central Co-Operative Bank Ltd – AJNUJ, the IFSC AHDC0000261 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 Ajnuj branch can access most of The Ahmednagar District Central Co-Operative Bank Ltd'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 AHDC0000261

Online banking and IFSC AHDC0000261

The Ahmednagar District Central Co-Operative Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the AJNUJ branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC AHDC0000261 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Ajnuj branch

The branch is located at POST AJNUJ TAL SHRIGONDA 414701, which puts it inside Ahmednagar, the broader Ajnuj district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Ahmednagar District Central Co-Operative Bank Ltd Ajnuj branch” — the verified location pin for IFSC AHDC0000261 should appear at the top of the results.
2. Confirm the branch is open by calling 2487-236224 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 AHDC0000261 and your account number.

Common mistakes to avoid when using IFSC AHDC0000261

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 The Ahmednagar District Central Co-Operative Bank Ltd – AJNUJ, 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: AHDC0000261.
• 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.

Working hours

Branch counters at Ajnuj 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 AHDC0000261 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AHDC0000261 for The Ahmednagar District Central Co-Operative Bank Ltd – AJNUJ, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: AHDC0000261 is the IFSC code of The Ahmednagar District Central Co-Operative Bank Ltd, AJNUJ branch, in AHMEDNAGAR, 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.