IFSC Code of AU Small Finance Bank Limited, Gwalior Branch, Madhya Pradesh

If you are searching for the IFSC code of AU Small Finance Bank Limited, GWALIOR branch in CHINOUR, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is AUBL0004190. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the GWALIOR branch, and detailed step-by-step guides for using the IFSC AUBL0004190 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, AUBL0004190 is the IFSC of AU Small Finance Bank Limited's GWALIOR branch. The format is fixed: AUBL = bank code, 0 = reserved, 004190 = branch identifier.

About AU Small Finance Bank Limited

AU Small Finance Bank Limited operates a wide network of branches across India, including the Gwalior branch in Chinour. 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, AUBL0004190.

Gwalior branch overview

Located at AGGARWAL GIRLS HOSTEL,GROUND FLOOR,LASKAR MARKET,NAYA BAZAR,GWALIOR, the Gwalior branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC AUBL0004190 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GWALIOR of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0004190 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 AUBL0004190 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Gwalior branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUBL0004190 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC AUBL0004190

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 AUBL0004190 across all three.

NEFT to AU Small Finance Bank Limited, GWALIOR using IFSC AUBL0004190

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 AUBL0004190, and confirm that the system picks up AU Small Finance Bank Limited – GWALIOR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GWALIOR

If you need to transfer ₹2 lakh or more in one go to an account at AU Small Finance Bank Limited's GWALIOR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUBL0004190 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to AU Small Finance Bank Limited – GWALIOR, use IMPS. With IFSC AUBL0004190 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 Gwalior

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 AUBL0004190:

• 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 GWALIOR is still linked to IFSC AUBL0004190.

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.

UPI payments and IFSC AUBL0004190

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 – GWALIOR is still mapped to IFSC AUBL0004190. 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 AUBL0004190 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Gwalior branch is mapped to IFSC AUBL0004190 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 AUBL0004190.

Banking services available

The Gwalior branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8108119708.

• 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 AUBL0004190

Online banking and IFSC AUBL0004190

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GWALIOR 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 AUBL0004190 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.

Reaching the branch

The Gwalior branch sits at AGGARWAL GIRLS HOSTEL,GROUND FLOOR,LASKAR MARKET,NAYA BAZAR,GWALIOR. If you are travelling from outside Chinour, search for the branch on a maps application using the bank name and locality, or call 8108119708 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 AUBL0004190 and your account number.

Common mistakes to avoid when using IFSC AUBL0004190

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 – GWALIOR, 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: AUBL0004190.
• 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.

Working hours

Branch counters at Gwalior 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 AUBL0004190 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUBL0004190 for AU Small Finance Bank Limited – GWALIOR, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0004190 belongs to AU Small Finance Bank Limited's GWALIOR branch, located at AGGARWAL GIRLS HOSTEL,GROUND FLOOR,LASKAR MARKET,NAYA BAZAR,GWALIOR in CHINOUR, MADHYA PRADESH. 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.