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

Below are the complete branch details for The Ajara Urban Cooperative Bank Limited Ajara, DHANKAWADI branch, located in PUNE, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is AJAR0000028. 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 AJAR0000028 for The Ajara Urban Cooperative Bank Limited Ajara – DHANKAWADI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, AJAR0000028 is the IFSC of The Ajara Urban Cooperative Bank Limited Ajara's DHANKAWADI branch. The format is fixed: AJAR = bank code, 0 = reserved, 000028 = 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 Dhankawadi 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, AJAR0000028.

Branch details at a glance

About the Dhankawadi branch

The Dhankawadi branch of The Ajara Urban Cooperative Bank Limited Ajara is situated at SURVERY NO.28/29,SUNDAR BAG APPARTMENT,NEAR REGISTAR OFFICE NO.9,CHAITANYA NAGAR,DHANKAWADI. 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 AJAR0000028 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 DHANKAWADI of The Ajara Urban Cooperative Bank Limited Ajara — its own 11-character IFSC. The code AJAR0000028 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 AJAR0000028 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 Dhankawadi branch is mapped to IFSC AJAR0000028 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 AJAR0000028.

Products and services

Customers walking into the Dhankawadi 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 AJAR0000028

How to transfer money using IFSC AJAR0000028

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 AJAR0000028 across all three.

How to use IFSC AJAR0000028 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 DHANKAWADI 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 AJAR0000028.
4. Confirm the bank name auto-populates as The Ajara Urban Cooperative Bank Limited Ajara and the branch as DHANKAWADI.
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 DHANKAWADI

If you need to transfer ₹2 lakh or more in one go to an account at The Ajara Urban Cooperative Bank Limited Ajara's DHANKAWADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AJAR0000028 while initiating the transfer and the credit will appear within minutes.

IMPS to The Ajara Urban Cooperative Bank Limited Ajara DHANKAWADI (IFSC AJAR0000028)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AJAR0000028 in your mobile or internet banking app, and the money is credited to the DHANKAWADI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC AJAR0000028 for The Ajara Urban Cooperative Bank Limited Ajara – DHANKAWADI, 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 Dhankawadi 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.

UPI payments and IFSC AJAR0000028

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 – DHANKAWADI is still mapped to IFSC AJAR0000028. 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 AJAR0000028 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Dhankawadi branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC AJAR0000028 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Dhankawadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AJAR0000028 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 – DHANKAWADI:

• The IFSC is exactly AJAR0000028 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 DHANKAWADI 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.

How to reach the Dhankawadi branch

The branch is located at SURVERY NO.28/29,SUNDAR BAG APPARTMENT,NEAR REGISTAR OFFICE NO.9,CHAITANYA NAGAR,DHANKAWADI, which puts it inside Pune, the broader Pune district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “The Ajara Urban Cooperative Bank Limited Ajara Dhankawadi branch” — the verified location pin for IFSC AJAR0000028 should appear at the top of the results.
2. Confirm the branch is open by calling 20-28368008 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 AJAR0000028 and your account number.

Verifying IFSC AJAR0000028 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 AJAR0000028 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 20-28368008.
• 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 Dhankawadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AJAR0000028, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: AJAR0000028 is the IFSC code of The Ajara Urban Cooperative Bank Limited Ajara, DHANKAWADI 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.