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

Use this page as a one-stop reference for everything related to The Ajara Urban Cooperative Bank Limited Ajara's KOPARKHAIRNE branch in NAVI MUMBAI, MAHARASHTRA. The branch's IFSC code AJAR0000021 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.

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, AJAR0000021 is the IFSC of The Ajara Urban Cooperative Bank Limited Ajara's KOPARKHAIRNE branch. The format is fixed: AJAR = bank code, 0 = reserved, 000021 = 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 Koparkhairne branch — IFSC AJAR0000021 — extends the bank's services to customers in and around Navi Mumbai, Maharashtra.

Koparkhairne branch overview

Located at BHOMIRAJ CASABELA CHS SHOP NO.7/8,PLOT NO.B/219,SECTOR 19,NEAR THREE TALKIES,NAVI MUMBAI, the Koparkhairne branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AJAR0000021 is required for all interbank electronic transfers routed through this branch.

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 KOPARKHAIRNE of The Ajara Urban Cooperative Bank Limited Ajara — its own 11-character IFSC. The code AJAR0000021 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 AJAR0000021 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 AJAR0000021

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 AJAR0000021 across all three.

How to use IFSC AJAR0000021 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 KOPARKHAIRNE 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 AJAR0000021.
4. Confirm the bank name auto-populates as The Ajara Urban Cooperative Bank Limited Ajara and the branch as KOPARKHAIRNE.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to KOPARKHAIRNE

If you need to transfer ₹2 lakh or more in one go to an account at The Ajara Urban Cooperative Bank Limited Ajara's KOPARKHAIRNE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AJAR0000021 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 – KOPARKHAIRNE, use IMPS. With IFSC AJAR0000021 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 AJAR0000021 for The Ajara Urban Cooperative Bank Limited Ajara – KOPARKHAIRNE, 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 Koparkhairne 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 KOPARKHAIRNE branch, the IFSC AJAR0000021 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.

Products and account variants supported

Every account opened at the Koparkhairne branch is mapped to IFSC AJAR0000021 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 AJAR0000021.

Products and services

Customers walking into the Koparkhairne 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 AJAR0000021

MICR & cheque-truncation details

Cheques drawn on the Koparkhairne branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AJAR0000021 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC AJAR0000021

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 KOPARKHAIRNE 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 AJAR0000021 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 – KOPARKHAIRNE:

• The IFSC is exactly AJAR0000021 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 KOPARKHAIRNE 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 Koparkhairne branch sits at BHOMIRAJ CASABELA CHS SHOP NO.7/8,PLOT NO.B/219,SECTOR 19,NEAR THREE TALKIES,NAVI MUMBAI. If you are travelling from outside Navi Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-27548371 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 AJAR0000021 and your account number.

Verifying IFSC AJAR0000021 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm AJAR0000021 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-27548371.
• Visiting the bank's official branch locator page.

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 Koparkhairne branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AJAR0000021, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AJAR0000021 belongs to The Ajara Urban Cooperative Bank Limited Ajara's KOPARKHAIRNE branch, located at BHOMIRAJ CASABELA CHS SHOP NO.7/8,PLOT NO.B/219,SECTOR 19,NEAR THREE… in NAVI MUMBAI, 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.