IFSC Code of AU Small Finance Bank Limited, Cunnigham Road Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for AU Small Finance Bank Limited, CUNNIGHAM ROAD branch in BENGALURU. The 11-digit IFSC AUBL0002780 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 CUNNIGHAM ROAD 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 AU Small Finance Bank Limited – CUNNIGHAM ROAD is AUBL0002780. The first four letters AUBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002780 map to this branch in BENGALURU, KARNATAKA.

Bank profile

AU Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Cunnigham Road branch — IFSC AUBL0002780 — extends the bank's services to customers in and around Bengaluru, Karnataka.

Branch details at a glance

About this branch

The branch is located at NO. 60/1, VASANTH NAGAR, CUNNIGHAM ROAD, BENGALURU, KARNATAKA - 560001. It serves the Bengaluru region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of AU Small Finance Bank Limited. The IFSC AUBL0002780 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how AU Small Finance Bank Limited's CUNNIGHAM ROAD branch came to be assigned the code AUBL0002780.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC AUBL0002780, money simply cannot be routed to the CUNNIGHAM ROAD branch electronically.

Products and account variants supported

Every account opened at the Cunnigham Road branch is mapped to IFSC AUBL0002780 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 AUBL0002780.

Products and services

Customers walking into the Cunnigham Road 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 AUBL0002780

How to transfer money using IFSC AUBL0002780

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 AUBL0002780 across all three.

How to use IFSC AUBL0002780 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 CUNNIGHAM ROAD 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 AUBL0002780.
4. Confirm the bank name auto-populates as AU Small Finance Bank Limited and the branch as CUNNIGHAM ROAD.
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 AUBL0002780

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 – CUNNIGHAM ROAD, ensure your bank's portal accepts IFSC AUBL0002780 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to AU Small Finance Bank Limited – CUNNIGHAM ROAD, use IMPS. With IFSC AUBL0002780 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 Cunnigham Road

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 AUBL0002780:

• 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 CUNNIGHAM ROAD is still linked to IFSC AUBL0002780.

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.

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 CUNNIGHAM ROAD branch, the IFSC AUBL0002780 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.

Digital banking channels

Most day-to-day work that customers used to do at the Cunnigham Road 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 AUBL0002780 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 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 AUBL0002780 and the account number together uniquely identify the Cunnigham Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC AUBL0002780

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 – CUNNIGHAM ROAD, 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: AUBL0002780.
• 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 Cunnigham Road branch

The branch is located at NO. 60/1, VASANTH NAGAR, CUNNIGHAM ROAD, BENGALURU, KARNATAKA - 560001, 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 Cunnigham Road branch” — the verified location pin for IFSC AUBL0002780 should appear at the top of the results.
2. Confirm the branch is open by calling 0 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 AUBL0002780 and your account number.

Verifying IFSC AUBL0002780 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 AUBL0002780 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• 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 Cunnigham Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AUBL0002780, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0002780 belongs to AU Small Finance Bank Limited's CUNNIGHAM ROAD branch, located at NO. 60/1, VASANTH NAGAR, CUNNIGHAM ROAD, BENGALURU, KARNATAKA - 560001 in BENGALURU, KARNATAKA. 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.