IFSC Code of The Ajara Urban Cooperative Bank Limited Ajara, Nippani Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Ajara Urban Cooperative Bank Limited Ajara, NIPPANI branch in NIPPANI. The 11-digit IFSC AJAR0000032 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Ajara Urban Cooperative Bank Limited Ajara at the NIPPANI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – NIPPANI is AJAR0000032. The first four letters AJAR are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000032 map to this branch in NIPPANI, KARNATAKA.

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 Nippani branch — IFSC AJAR0000032 — extends the bank's services to customers in and around Nippani, Karnataka.

About the Nippani branch

The Nippani branch of The Ajara Urban Cooperative Bank Limited Ajara is situated at 11/4,503/12,ASHOK NAGAR,NEAR KITTUR CHANNAMA CIRCLE. 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 AJAR0000032 is used.

Branch details at a glance

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 NIPPANI of The Ajara Urban Cooperative Bank Limited Ajara — its own 11-character IFSC. The code AJAR0000032 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 AJAR0000032 the same way you would treat your account number — verify it once and save it carefully for future use.

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 AJAR0000032 and the account number together uniquely identify the Nippani branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC AJAR0000032

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 AJAR0000032 across all three.

NEFT to The Ajara Urban Cooperative Bank Limited Ajara, NIPPANI using IFSC AJAR0000032

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 AJAR0000032, and confirm that the system picks up The Ajara Urban Cooperative Bank Limited Ajara – NIPPANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to NIPPANI

If you need to transfer ₹2 lakh or more in one go to an account at The Ajara Urban Cooperative Bank Limited Ajara's NIPPANI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AJAR0000032 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 – NIPPANI, use IMPS. With IFSC AJAR0000032 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 Nippani

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 AJAR0000032:

• 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 NIPPANI is still linked to IFSC AJAR0000032.

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 AJAR0000032

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 – NIPPANI is still mapped to IFSC AJAR0000032. 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 AJAR0000032 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Nippani branch is mapped to IFSC AJAR0000032 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 AJAR0000032.

Products and services

Customers walking into the Nippani 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 AJAR0000032

Online banking and IFSC AJAR0000032

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 NIPPANI 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 AJAR0000032 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.

How to reach the Nippani branch

The branch is located at 11/4,503/12,ASHOK NAGAR,NEAR KITTUR CHANNAMA CIRCLE, which puts it inside Nippani, the broader Nippani district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “The Ajara Urban Cooperative Bank Limited Ajara Nippani branch” — the verified location pin for IFSC AJAR0000032 should appear at the top of the results.
2. Confirm the branch is open by calling 8338-222040 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC AJAR0000032 and your account number.

Common mistakes to avoid when using IFSC AJAR0000032

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 – NIPPANI, 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: AJAR0000032.
• 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.

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 Nippani branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AJAR0000032, however, work 24x7.

Verifying IFSC AJAR0000032 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 AJAR0000032 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8338-222040.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: AJAR0000032 is the IFSC code of The Ajara Urban Cooperative Bank Limited Ajara, NIPPANI branch, in NIPPANI, KARNATAKA. 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.