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

Below are the complete branch details for The Ajara Urban Cooperative Bank Limited Ajara, UTTUR branch, located in KOLHAPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is AJAR0000002. 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 AJAR0000002 for The Ajara Urban Cooperative Bank Limited Ajara – UTTUR — 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 The Ajara Urban Cooperative Bank Limited Ajara – UTTUR is AJAR0000002. The first four letters AJAR are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000002 map to this branch in KOLHAPUR, MAHARASHTRA.

Branch details at a glance

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 Uttur branch — IFSC AJAR0000002 — extends the bank's services to customers in and around Kolhapur, Maharashtra.

About the Uttur branch

The Uttur branch of The Ajara Urban Cooperative Bank Limited Ajara is situated at GARGOTI ROAD,UTTUR,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 AJAR0000002 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 UTTUR of The Ajara Urban Cooperative Bank Limited Ajara — its own 11-character IFSC. The code AJAR0000002 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 AJAR0000002 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 AJAR0000002

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 AJAR0000002 across all three.

NEFT to The Ajara Urban Cooperative Bank Limited Ajara, UTTUR using IFSC AJAR0000002

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 AJAR0000002, and confirm that the system picks up The Ajara Urban Cooperative Bank Limited Ajara – UTTUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AJAR0000002

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 – UTTUR, ensure your bank's portal accepts IFSC AJAR0000002 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Ajara Urban Cooperative Bank Limited Ajara – UTTUR, use IMPS. With IFSC AJAR0000002 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 Uttur

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 AJAR0000002:

• 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 UTTUR is still linked to IFSC AJAR0000002.

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 AJAR0000002

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 – UTTUR is still mapped to IFSC AJAR0000002. 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 AJAR0000002 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Uttur branch is mapped to IFSC AJAR0000002 on the RBI payments network. The branch generally supports the full retail product catalogue of The Ajara Urban Cooperative Bank Limited Ajara, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains AJAR0000002.

Products and services

Customers walking into the Uttur 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 AJAR0000002

MICR & cheque-truncation details

Cheques drawn on the Uttur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AJAR0000002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC AJAR0000002

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 UTTUR 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 AJAR0000002 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 – UTTUR:

• The IFSC is exactly AJAR0000002 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 UTTUR 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 Uttur branch sits at GARGOTI ROAD,UTTUR,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 2323-254127 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 AJAR0000002 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AJAR0000002 for The Ajara Urban Cooperative Bank Limited Ajara – UTTUR, 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 Uttur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AJAR0000002, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AJAR0000002 belongs to The Ajara Urban Cooperative Bank Limited Ajara's UTTUR branch, located at GARGOTI ROAD,UTTUR,TAL -AJARA 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.