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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Ajara Urban Cooperative Bank Limited Ajara, CHINCHWAD branch in PUNE. The 11-digit IFSC AJAR0000023 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 CHINCHWAD 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.

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, AJAR0000023 is the IFSC of The Ajara Urban Cooperative Bank Limited Ajara's CHINCHWAD branch. The format is fixed: AJAR = bank code, 0 = reserved, 000023 = branch identifier.

About The Ajara Urban Cooperative Bank Limited Ajara

The Ajara Urban Cooperative Bank Limited Ajara operates a wide network of branches across India, including the Chinchwad branch in Pune. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, AJAR0000023.

Branch details at a glance

About this branch

The branch is located at D.G.COMPLEX,SHOP NO.15 / 16. It serves the Pune region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Ajara Urban Cooperative Bank Limited Ajara. The IFSC AJAR0000023 is used to identify this branch on the RBI payments network.

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 CHINCHWAD of The Ajara Urban Cooperative Bank Limited Ajara — its own 11-character IFSC. The code AJAR0000023 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 AJAR0000023 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Chinchwad branch is mapped to IFSC AJAR0000023 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 AJAR0000023.

Banking services available

The Chinchwad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 20-27492622.

• 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 AJAR0000023

How to transfer money using IFSC AJAR0000023

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 AJAR0000023 across all three.

NEFT to The Ajara Urban Cooperative Bank Limited Ajara, CHINCHWAD using IFSC AJAR0000023

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 AJAR0000023, and confirm that the system picks up The Ajara Urban Cooperative Bank Limited Ajara – CHINCHWAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AJAR0000023

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 – CHINCHWAD, ensure your bank's portal accepts IFSC AJAR0000023 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 – CHINCHWAD, use IMPS. With IFSC AJAR0000023 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 AJAR0000023 for The Ajara Urban Cooperative Bank Limited Ajara – CHINCHWAD, 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 Chinchwad 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 CHINCHWAD branch, the IFSC AJAR0000023 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.

Online banking and IFSC AJAR0000023

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 CHINCHWAD 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 AJAR0000023 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.

MICR & cheque-truncation details

Cheques drawn on the Chinchwad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AJAR0000023 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – CHINCHWAD:

• The IFSC is exactly AJAR0000023 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 CHINCHWAD 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 Chinchwad branch sits at D.G.COMPLEX,SHOP NO.15 / 16. If you are travelling from outside Pune, search for the branch on a maps application using the bank name and locality, or call 20-27492622 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 AJAR0000023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AJAR0000023 for The Ajara Urban Cooperative Bank Limited Ajara – CHINCHWAD, 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 Chinchwad 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 AJAR0000023 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: AJAR0000023 is the IFSC code of The Ajara Urban Cooperative Bank Limited Ajara, CHINCHWAD branch, in PUNE, 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.