IFSC Code of The Ajara Urban Cooperative Bank Limited Ajara, Ajara Branch, Maharashtra

Below are the complete branch details for The Ajara Urban Cooperative Bank Limited Ajara, AJARA branch, located in KOLHAPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is AJAR0000099. 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 AJAR0000099 for The Ajara Urban Cooperative Bank Limited Ajara – AJARA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, AJAR0000099 is the IFSC of The Ajara Urban Cooperative Bank Limited Ajara's AJARA branch. The format is fixed: AJAR = bank code, 0 = reserved, 000099 = branch identifier.

Branch details at a glance

About the bank

The Ajara Urban Cooperative Bank Limited Ajara serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ajara branch in Kolhapur, Maharashtra is part of this network and uses the IFSC code AJAR0000099 for all electronic settlement.

About the Ajara branch

The Ajara branch of The Ajara Urban Cooperative Bank Limited Ajara is situated at 393/B,MAIN ROAD,AJARA,TAL AJARA DIST KOLHAPUR. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code AJAR0000099 is used.

Why every The Ajara Urban Cooperative Bank Limited Ajara branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including AJARA of The Ajara Urban Cooperative Bank Limited Ajara — its own 11-character IFSC. The code AJAR0000099 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC AJAR0000099 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC AJAR0000099

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 AJAR0000099 across all three.

NEFT to The Ajara Urban Cooperative Bank Limited Ajara, AJARA using IFSC AJAR0000099

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 AJAR0000099, and confirm that the system picks up The Ajara Urban Cooperative Bank Limited Ajara – AJARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AJARA

If you need to transfer ₹2 lakh or more in one go to an account at The Ajara Urban Cooperative Bank Limited Ajara's AJARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AJAR0000099 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Ajara Urban Cooperative Bank Limited Ajara – AJARA, use IMPS. With IFSC AJAR0000099 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC AJAR0000099 for The Ajara Urban Cooperative Bank Limited Ajara – AJARA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Ajara branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC AJAR0000099

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 Ajara Urban Cooperative Bank Limited Ajara – AJARA is still mapped to IFSC AJAR0000099. 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 AJAR0000099 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ajara branch

Once you have an account at The Ajara Urban Cooperative Bank Limited Ajara – AJARA, the IFSC AJAR0000099 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 Ajara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2323-246019.

• 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 AJAR0000099

MICR & cheque-truncation details

Cheques drawn on the Ajara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AJAR0000099 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC AJAR0000099

The Ajara Urban Cooperative Bank Limited Ajara customers can register for net banking and the bank's official mobile app once their account at the AJARA 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 AJAR0000099 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.

Common mistakes to avoid when using IFSC AJAR0000099

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 Ajara Urban Cooperative Bank Limited Ajara – AJARA, 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: AJAR0000099.
• 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 Ajara branch

The branch is located at 393/B,MAIN ROAD,AJARA,TAL AJARA DIST KOLHAPUR, which puts it inside Kolhapur, the broader Ajara district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Ajara Urban Cooperative Bank Limited Ajara Ajara branch” — the verified location pin for IFSC AJAR0000099 should appear at the top of the results.
2. Confirm the branch is open by calling 2323-246019 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 AJAR0000099 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AJAR0000099 for The Ajara Urban Cooperative Bank Limited Ajara – AJARA, 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.

Working hours

Branch counters at Ajara 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 AJAR0000099 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AJAR0000099 is the IFSC code of The Ajara Urban Cooperative Bank Limited Ajara, AJARA branch, in KOLHAPUR, 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.