IFSC Code of AU Small Finance Bank Limited, Delhi Road Moradabad Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to AU Small Finance Bank Limited's DELHI ROAD MORADABAD branch in MORADABAD, UTTAR PRADESH. The branch's IFSC code AUBL0002725 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – DELHI ROAD MORADABAD is AUBL0002725. The first four letters AUBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002725 map to this branch in MORADABAD, UTTAR PRADESH.

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 Delhi Road Moradabad branch in Moradabad. 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, AUBL0002725.

About this branch

The branch is located at UPPER GROUND FLOOR,MAJHOLI,KHASRA NO 212,DELHI ROAD,OPPOSITE KASHIRAM GATE,MORADABAD UP 244001. It serves the Moradabad 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 AUBL0002725 is used to identify this branch on the RBI payments network.

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 DELHI ROAD MORADABAD of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0002725 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 AUBL0002725 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 AUBL0002725

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 AUBL0002725 across all three.

How to use IFSC AUBL0002725 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 DELHI ROAD MORADABAD 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 AUBL0002725.
4. Confirm the bank name auto-populates as AU Small Finance Bank Limited and the branch as DELHI ROAD MORADABAD.
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 DELHI ROAD MORADABAD

If you need to transfer ₹2 lakh or more in one go to an account at AU Small Finance Bank Limited's DELHI ROAD MORADABAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUBL0002725 while initiating the transfer and the credit will appear within minutes.

IMPS to AU Small Finance Bank Limited DELHI ROAD MORADABAD (IFSC AUBL0002725)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUBL0002725 in your mobile or internet banking app, and the money is credited to the DELHI ROAD MORADABAD branch account within seconds.

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

All three modes accept the IFSC AUBL0002725 for AU Small Finance Bank Limited – DELHI ROAD MORADABAD, 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 Delhi Road Moradabad 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 AUBL0002725

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 – DELHI ROAD MORADABAD is still mapped to IFSC AUBL0002725. 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 AUBL0002725 and the beneficiary's account number to complete the transfer.

Account types you can open at the Delhi Road Moradabad branch

Once you have an account at AU Small Finance Bank Limited – DELHI ROAD MORADABAD, the IFSC AUBL0002725 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.

Products and services

Customers walking into the Delhi Road Moradabad 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 AUBL0002725

MICR & cheque-truncation details

Cheques drawn on the Delhi Road Moradabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUBL0002725 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Delhi Road Moradabad 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 AUBL0002725 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.

Common mistakes to avoid when using IFSC AUBL0002725

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 – DELHI ROAD MORADABAD, 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: AUBL0002725.
• 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.

Reaching the branch

The Delhi Road Moradabad branch sits at UPPER GROUND FLOOR,MAJHOLI,KHASRA NO 212,DELHI ROAD,OPPOSITE KASHIRAM GATE,MORADABAD UP 244001. If you are travelling from outside Moradabad, search for the branch on a maps application using the bank name and locality, or call 9116616427 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 AUBL0002725 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUBL0002725 for AU Small Finance Bank Limited – DELHI ROAD MORADABAD, 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 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 Delhi Road Moradabad branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AUBL0002725, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0002725 belongs to AU Small Finance Bank Limited's DELHI ROAD MORADABAD branch, located at UPPER GROUND FLOOR,MAJHOLI,KHASRA NO 212,DELHI ROAD,OPPOSITE KASHIRAM… in MORADABAD, UTTAR 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.