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

Use this page as a one-stop reference for everything related to The Ajara Urban Cooperative Bank Limited Ajara's GOKUL SHIRGAON branch in KOLHAPUR, MAHARASHTRA. The branch's IFSC code AJAR0000025 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 Ajara Urban Cooperative Bank Limited Ajara – GOKUL SHIRGAON is AJAR0000025. The first four letters AJAR are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000025 map to this branch in KOLHAPUR, MAHARASHTRA.

Bank profile

The Ajara Urban Cooperative Bank Limited Ajara is among the recognised banks listed on the Reserve Bank of India's payments network. The Gokul Shirgaon branch — IFSC AJAR0000025 — extends the bank's services to customers in and around Kolhapur, Maharashtra.

Branch details at a glance

About the Gokul Shirgaon branch

The Gokul Shirgaon branch of The Ajara Urban Cooperative Bank Limited Ajara is situated at GOKUL SHIRGAON MANUFACTURING ASSOCIATION,NEW BUILDING,PLOT NO.P-40,GROUND FLOOR,MIDC,GOKUL SHIRGAON,TAL KARVEER. 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 AJAR0000025 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 GOKUL SHIRGAON branch came to be assigned the code AJAR0000025.

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 AJAR0000025, money simply cannot be routed to the GOKUL SHIRGAON branch electronically.

Account types you can open at the Gokul Shirgaon branch

Once you have an account at The Ajara Urban Cooperative Bank Limited Ajara – GOKUL SHIRGAON, the IFSC AJAR0000025 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 Gokul Shirgaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 231-2671067.

• 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 AJAR0000025

How to transfer money using IFSC AJAR0000025

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 AJAR0000025 across all three.

How to use IFSC AJAR0000025 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Ajara Urban Cooperative Bank Limited Ajara's GOKUL SHIRGAON 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 AJAR0000025.
4. Confirm the bank name auto-populates as The Ajara Urban Cooperative Bank Limited Ajara and the branch as GOKUL SHIRGAON.
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 AJAR0000025

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 The Ajara Urban Cooperative Bank Limited Ajara – GOKUL SHIRGAON, ensure your bank's portal accepts IFSC AJAR0000025 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Ajara Urban Cooperative Bank Limited Ajara GOKUL SHIRGAON (IFSC AJAR0000025)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AJAR0000025 in your mobile or internet banking app, and the money is credited to the GOKUL SHIRGAON branch account within seconds.

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

All three modes accept the IFSC AJAR0000025 for The Ajara Urban Cooperative Bank Limited Ajara – GOKUL SHIRGAON, 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 Gokul Shirgaon 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.

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 The Ajara Urban Cooperative Bank Limited Ajara's GOKUL SHIRGAON branch, the IFSC AJAR0000025 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 Gokul Shirgaon 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 AJAR0000025 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 code & cheque clearing

Apart from IFSC, every cheque book issued by The Ajara Urban Cooperative Bank Limited Ajara carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AJAR0000025 and the account number together uniquely identify the Gokul Shirgaon branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – GOKUL SHIRGAON:

• The IFSC is exactly AJAR0000025 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 GOKUL SHIRGAON 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 Gokul Shirgaon branch sits at GOKUL SHIRGAON MANUFACTURING ASSOCIATION,NEW BUILDING,PLOT NO.P-40,GROUND FLOOR,MIDC,GOKUL SHIRGAON,TAL KARVEER. If you are travelling from outside Kolhapur, search for the branch on a maps application using the bank name and locality, or call 231-2671067 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 AJAR0000025 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AJAR0000025 for The Ajara Urban Cooperative Bank Limited Ajara – GOKUL SHIRGAON, 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 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 Gokul Shirgaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AJAR0000025, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AJAR0000025 belongs to The Ajara Urban Cooperative Bank Limited Ajara's GOKUL SHIRGAON branch, located at GOKUL SHIRGAON MANUFACTURING ASSOCIATION,NEW BUILDING,PLOT NO.P-40,GROUND… in KOLHAPUR, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.