IFSC Code of AU Small Finance Bank Limited, Chandra Layout Branch, Karnataka

Below are the complete branch details for AU Small Finance Bank Limited, CHANDRA LAYOUT branch, located in BENGALURU, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is AUBL0002721. 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 AUBL0002721 for AU Small Finance Bank Limited – CHANDRA LAYOUT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For AU Small Finance Bank Limited's CHANDRA LAYOUT branch, the IFSC AUBL0002721 breaks down as follows: AUBL identifies the bank, 0 is the reserved character, and 002721 identifies this particular branch.

Branch details at a glance

About AU Small Finance Bank Limited

AU Small Finance Bank Limited operates a wide network of branches across India, including the Chandra Layout branch in Bengaluru. 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, AUBL0002721.

About the Chandra Layout branch

The Chandra Layout branch of AU Small Finance Bank Limited is situated at GROUND FLOOR,NO.40,BASAVESHWARA HBCS 2ND STAGE,CHANDRA LAYOUT,BANGALORE,KARNATAKA -560040. 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 AUBL0002721 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 CHANDRA LAYOUT of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0002721 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 AUBL0002721 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 AUBL0002721

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 AUBL0002721 across all three.

How to use IFSC AUBL0002721 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 CHANDRA LAYOUT 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 AUBL0002721.
4. Confirm the bank name auto-populates as AU Small Finance Bank Limited and the branch as CHANDRA LAYOUT.
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 AUBL0002721

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 – CHANDRA LAYOUT, ensure your bank's portal accepts IFSC AUBL0002721 while registering the beneficiary. RTGS is also available 24x7.

IMPS to AU Small Finance Bank Limited CHANDRA LAYOUT (IFSC AUBL0002721)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUBL0002721 in your mobile or internet banking app, and the money is credited to the CHANDRA LAYOUT branch account within seconds.

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

All three modes accept the IFSC AUBL0002721 for AU Small Finance Bank Limited – CHANDRA LAYOUT, 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 Chandra Layout 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 AUBL0002721

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 AU Small Finance Bank Limited – CHANDRA LAYOUT is still mapped to IFSC AUBL0002721. 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 AUBL0002721 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chandra Layout branch is mapped to IFSC AUBL0002721 on the RBI payments network. The branch generally supports the full retail product catalogue of AU Small Finance Bank Limited, 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 AUBL0002721.

Products and services

Customers walking into the Chandra Layout branch can access most of AU Small Finance Bank Limited'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 AUBL0002721

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by AU Small Finance Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC AUBL0002721 and the account number together uniquely identify the Chandra Layout branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC AUBL0002721

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHANDRA LAYOUT 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 AUBL0002721 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.

Common mistakes to avoid when using IFSC AUBL0002721

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 AU Small Finance Bank Limited – CHANDRA LAYOUT, 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: AUBL0002721.
• 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.

How to reach the Chandra Layout branch

The branch is located at GROUND FLOOR,NO.40,BASAVESHWARA HBCS 2ND STAGE,CHANDRA LAYOUT,BANGALORE,KARNATAKA -560040, which puts it inside Bengaluru, the broader Bengaluru district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “AU Small Finance Bank Limited Chandra Layout branch” — the verified location pin for IFSC AUBL0002721 should appear at the top of the results.
2. Confirm the branch is open by calling 9773322750 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 AUBL0002721 and your account number.

Verifying IFSC AUBL0002721 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 AUBL0002721 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9773322750.
• 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 Chandra Layout branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AUBL0002721, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: AUBL0002721 is the IFSC code of AU Small Finance Bank Limited, CHANDRA LAYOUT branch, in BENGALURU, 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.