IFSC Code of AU Small Finance Bank Limited, Amritsar Eminent Mall Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for AU Small Finance Bank Limited, AMRITSAR EMINENT MALL branch in AMRITSAR -I. The 11-digit IFSC AUBL0004193 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 AU Small Finance Bank Limited at the AMRITSAR EMINENT MALL 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, AUBL0004193 is the IFSC of AU Small Finance Bank Limited's AMRITSAR EMINENT MALL branch. The format is fixed: AUBL = bank code, 0 = reserved, 004193 = branch identifier.

About the bank

AU Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Amritsar Eminent Mall branch in Amritsar -I, Punjab is part of this network and uses the IFSC code AUBL0004193 for all electronic settlement.

Branch details at a glance

About the Amritsar Eminent Mall branch

The Amritsar Eminent Mall branch of AU Small Finance Bank Limited is situated at GF2,I,1,ISIS,. 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 AUBL0004193 is used.

Why every AU Small Finance Bank Limited 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 AMRITSAR EMINENT MALL of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0004193 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 AUBL0004193 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Amritsar Eminent Mall branch

Once you have an account at AU Small Finance Bank Limited – AMRITSAR EMINENT MALL, the IFSC AUBL0004193 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Amritsar Eminent Mall branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9773380617.

• 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 AUBL0004193

How to transfer money using IFSC AUBL0004193

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 AUBL0004193 across all three.

How to use IFSC AUBL0004193 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to AU Small Finance Bank Limited's AMRITSAR EMINENT MALL 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 AUBL0004193.
4. Confirm the bank name auto-populates as AU Small Finance Bank Limited and the branch as AMRITSAR EMINENT MALL.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC AUBL0004193

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 AU Small Finance Bank Limited – AMRITSAR EMINENT MALL, ensure your bank's portal accepts IFSC AUBL0004193 while registering the beneficiary. RTGS is also available 24x7.

IMPS to AU Small Finance Bank Limited AMRITSAR EMINENT MALL (IFSC AUBL0004193)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUBL0004193 in your mobile or internet banking app, and the money is credited to the AMRITSAR EMINENT MALL branch account within seconds.

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

All three modes accept the IFSC AUBL0004193 for AU Small Finance Bank Limited – AMRITSAR EMINENT MALL, 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 Amritsar Eminent Mall 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 AU Small Finance Bank Limited's AMRITSAR EMINENT MALL branch, the IFSC AUBL0004193 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 AUBL0004193

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AMRITSAR EMINENT MALL 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 AUBL0004193 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 Amritsar Eminent Mall branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUBL0004193 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 AU Small Finance Bank Limited – AMRITSAR EMINENT MALL:

• The IFSC is exactly AUBL0004193 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills AU Small Finance Bank Limited as the bank name and AMRITSAR EMINENT MALL 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 Amritsar Eminent Mall branch

The branch is located at GF2,I,1,ISIS,, which puts it inside Amritsar -I, the broader Amritsar district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “AU Small Finance Bank Limited Amritsar Eminent Mall branch” — the verified location pin for IFSC AUBL0004193 should appear at the top of the results.
2. Confirm the branch is open by calling 9773380617 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 AUBL0004193 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUBL0004193 for AU Small Finance Bank Limited – AMRITSAR EMINENT MALL, 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 Amritsar Eminent Mall 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 AUBL0004193 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0004193 belongs to AU Small Finance Bank Limited's AMRITSAR EMINENT MALL branch, located at GF2,I,1,ISIS, in AMRITSAR -I, PUNJAB. 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.