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

If you are searching for the IFSC code of The Ajara Urban Cooperative Bank Limited Ajara, GARGOTI branch in KOLHAPUR, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is AJAR0000003. 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 GARGOTI branch, and detailed step-by-step guides for using the IFSC AJAR0000003 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.

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, AJAR0000003 is the IFSC of The Ajara Urban Cooperative Bank Limited Ajara's GARGOTI branch. The format is fixed: AJAR = bank code, 0 = reserved, 000003 = 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 Gargoti branch in Kolhapur, Maharashtra is part of this network and uses the IFSC code AJAR0000003 for all electronic settlement.

About the Gargoti branch

The Gargoti branch of The Ajara Urban Cooperative Bank Limited Ajara is situated at KADGAON ROAD,TAL AJARA. 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 AJAR0000003 is used.

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 Ajara Urban Cooperative Bank Limited Ajara's GARGOTI branch came to be assigned the code AJAR0000003.

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 AJAR0000003, money simply cannot be routed to the GARGOTI branch electronically.

How to transfer money using IFSC AJAR0000003

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 AJAR0000003 across all three.

NEFT to The Ajara Urban Cooperative Bank Limited Ajara, GARGOTI using IFSC AJAR0000003

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 AJAR0000003, and confirm that the system picks up The Ajara Urban Cooperative Bank Limited Ajara – GARGOTI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GARGOTI

If you need to transfer ₹2 lakh or more in one go to an account at The Ajara Urban Cooperative Bank Limited Ajara's GARGOTI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AJAR0000003 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 – GARGOTI, use IMPS. With IFSC AJAR0000003 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 AJAR0000003 for The Ajara Urban Cooperative Bank Limited Ajara – GARGOTI, 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 Gargoti 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 AJAR0000003

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 – GARGOTI is still mapped to IFSC AJAR0000003. 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 AJAR0000003 and the beneficiary's account number to complete the transfer.

Account types you can open at the Gargoti branch

Once you have an account at The Ajara Urban Cooperative Bank Limited Ajara – GARGOTI, the IFSC AJAR0000003 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 Gargoti branch can access most of The Ajara Urban Cooperative Bank Limited Ajara'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 AJAR0000003

MICR & cheque-truncation details

Cheques drawn on the Gargoti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AJAR0000003 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC AJAR0000003

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 GARGOTI 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 AJAR0000003 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.

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 The Ajara Urban Cooperative Bank Limited Ajara – GARGOTI:

• The IFSC is exactly AJAR0000003 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Ajara Urban Cooperative Bank Limited Ajara as the bank name and GARGOTI 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 Gargoti branch sits at KADGAON ROAD,TAL AJARA. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 2324-220040 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 AJAR0000003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AJAR0000003 for The Ajara Urban Cooperative Bank Limited Ajara – GARGOTI, 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 Gargoti 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 AJAR0000003 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AJAR0000003 is the IFSC code of The Ajara Urban Cooperative Bank Limited Ajara, GARGOTI 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.