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

If you are searching for the IFSC code of The Ajara Urban Cooperative Bank Limited Ajara, DELIEL ROAD branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is AJAR0000005. 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 DELIEL ROAD branch, and detailed step-by-step guides for using the IFSC AJAR0000005 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, AJAR0000005 is the IFSC of The Ajara Urban Cooperative Bank Limited Ajara's DELIEL ROAD branch. The format is fixed: AJAR = bank code, 0 = reserved, 000005 = branch identifier.

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 Deliel Road branch — IFSC AJAR0000005 — extends the bank's services to customers in and around Mumbai, Maharashtra.

Deliel Road branch overview

Located at BUILDING NO.19,GALA NO.8/9/10,HARHARWALA BUILDING,N.M.JOSHI MARG, the Deliel Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AJAR0000005 is required for all interbank electronic transfers routed through this branch.

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 DELIEL ROAD branch came to be assigned the code AJAR0000005.

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 AJAR0000005, money simply cannot be routed to the DELIEL ROAD branch electronically.

How to transfer money using IFSC AJAR0000005

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 AJAR0000005 across all three.

NEFT to The Ajara Urban Cooperative Bank Limited Ajara, DELIEL ROAD using IFSC AJAR0000005

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 AJAR0000005, and confirm that the system picks up The Ajara Urban Cooperative Bank Limited Ajara – DELIEL ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to DELIEL ROAD

If you need to transfer ₹2 lakh or more in one go to an account at The Ajara Urban Cooperative Bank Limited Ajara's DELIEL ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AJAR0000005 while initiating the transfer and the credit will appear within minutes.

IMPS to The Ajara Urban Cooperative Bank Limited Ajara DELIEL ROAD (IFSC AJAR0000005)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AJAR0000005 in your mobile or internet banking app, and the money is credited to the DELIEL ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Deliel Road

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 AJAR0000005:

• 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 DELIEL ROAD is still linked to IFSC AJAR0000005.

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 AJAR0000005

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 – DELIEL ROAD is still mapped to IFSC AJAR0000005. 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 AJAR0000005 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Deliel Road branch is mapped to IFSC AJAR0000005 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 AJAR0000005.

Products and services

Customers walking into the Deliel Road 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 AJAR0000005

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 AJAR0000005 and the account number together uniquely identify the Deliel Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC AJAR0000005

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 DELIEL ROAD 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 AJAR0000005 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 AJAR0000005

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 – DELIEL ROAD, 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: AJAR0000005.
• 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.

Reaching the branch

The Deliel Road branch sits at BUILDING NO.19,GALA NO.8/9/10,HARHARWALA BUILDING,N.M.JOSHI MARG. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-23087411 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 AJAR0000005 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AJAR0000005 for The Ajara Urban Cooperative Bank Limited Ajara – DELIEL ROAD, 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 Deliel Road 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 AJAR0000005 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AJAR0000005 is the IFSC code of The Ajara Urban Cooperative Bank Limited Ajara, DELIEL ROAD branch, in MUMBAI, 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.