IFSC Code of AU Small Finance Bank Limited, Kotkapura Road Muktsar Branch, Punjab

Below are the complete branch details for AU Small Finance Bank Limited, KOTKAPURA ROAD MUKTSAR branch, located in MUKTSAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is AUBL0002714. 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 AUBL0002714 for AU Small Finance Bank Limited – KOTKAPURA ROAD MUKTSAR — 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 KOTKAPURA ROAD MUKTSAR branch, the IFSC AUBL0002714 breaks down as follows: AUBL identifies the bank, 0 is the reserved character, and 002714 identifies this particular branch.

Bank profile

AU Small Finance Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kotkapura Road Muktsar branch — IFSC AUBL0002714 — extends the bank's services to customers in and around Muktsar, Punjab.

Branch details at a glance

About the Kotkapura Road Muktsar branch

The Kotkapura Road Muktsar branch of AU Small Finance Bank Limited is situated at GROUND FLOOR,KOTKAPURA RD,OPPOSITE ROYAL INN HOTEL,DEEP NAGAR,SRI MUKTSAR SAHIB,PUNJAB -152026. 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 AUBL0002714 is used.

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 KOTKAPURA ROAD MUKTSAR branch came to be assigned the code AUBL0002714.

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 AUBL0002714, money simply cannot be routed to the KOTKAPURA ROAD MUKTSAR branch electronically.

Products and account variants supported

Every account opened at the Kotkapura Road Muktsar branch is mapped to IFSC AUBL0002714 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 AUBL0002714.

Products and services

Customers walking into the Kotkapura Road Muktsar 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 AUBL0002714

How to transfer money using IFSC AUBL0002714

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 AUBL0002714 across all three.

NEFT to AU Small Finance Bank Limited, KOTKAPURA ROAD MUKTSAR using IFSC AUBL0002714

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 AUBL0002714, and confirm that the system picks up AU Small Finance Bank Limited – KOTKAPURA ROAD MUKTSAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AUBL0002714

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 – KOTKAPURA ROAD MUKTSAR, ensure your bank's portal accepts IFSC AUBL0002714 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 – KOTKAPURA ROAD MUKTSAR, use IMPS. With IFSC AUBL0002714 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC AUBL0002714 for AU Small Finance Bank Limited – KOTKAPURA ROAD MUKTSAR, 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 Kotkapura Road Muktsar 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 AUBL0002714

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 – KOTKAPURA ROAD MUKTSAR is still mapped to IFSC AUBL0002714. 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 AUBL0002714 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Kotkapura Road Muktsar 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 AUBL0002714 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 AUBL0002714 and the account number together uniquely identify the Kotkapura Road Muktsar 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 AUBL0002714

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 – KOTKAPURA ROAD MUKTSAR, 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: AUBL0002714.
• 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 Kotkapura Road Muktsar branch

The branch is located at GROUND FLOOR,KOTKAPURA RD,OPPOSITE ROYAL INN HOTEL,DEEP NAGAR,SRI MUKTSAR SAHIB,PUNJAB -152026, which puts it inside Muktsar, the broader Sri Muktsarsahib 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 Kotkapura Road Muktsar branch” — the verified location pin for IFSC AUBL0002714 should appear at the top of the results.
2. Confirm the branch is open by calling 8288008928 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 AUBL0002714 and your account number.

Verifying IFSC AUBL0002714 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 AUBL0002714 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8288008928.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kotkapura Road Muktsar 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 AUBL0002714 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0002714 belongs to AU Small Finance Bank Limited's KOTKAPURA ROAD MUKTSAR branch, located at GROUND FLOOR,KOTKAPURA RD,OPPOSITE ROYAL INN HOTEL,DEEP NAGAR,SRI MUKTSAR… in MUKTSAR, 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.