IFSC Code of AU Small Finance Bank Limited, Andheri West Lokhandawala Branch, Maharashtra

Below are the complete branch details for AU Small Finance Bank Limited, ANDHERI WEST LOKHANDAWALA branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is AUBL0002640. 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 AUBL0002640 for AU Small Finance Bank Limited – ANDHERI WEST LOKHANDAWALA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, AUBL0002640 is the IFSC of AU Small Finance Bank Limited's ANDHERI WEST LOKHANDAWALA branch. The format is fixed: AUBL = bank code, 0 = reserved, 002640 = branch identifier.

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 Andheri West Lokhandawala branch in Mumbai. 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, AUBL0002640.

About the Andheri West Lokhandawala branch

The Andheri West Lokhandawala branch of AU Small Finance Bank Limited is situated at SHOP NO.19 20,GROUND FLOOR,SAMARTHA VAIBHAV CHS LTD,OFF K.L.WALAWALKAR MARG,LOKHANDWALA,ANDHERI WEST,MUMBAI-400053. 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 AUBL0002640 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 ANDHERI WEST LOKHANDAWALA of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0002640 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 AUBL0002640 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 AUBL0002640

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 AUBL0002640 across all three.

NEFT to AU Small Finance Bank Limited, ANDHERI WEST LOKHANDAWALA using IFSC AUBL0002640

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 AUBL0002640, and confirm that the system picks up AU Small Finance Bank Limited – ANDHERI WEST LOKHANDAWALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AUBL0002640

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 – ANDHERI WEST LOKHANDAWALA, ensure your bank's portal accepts IFSC AUBL0002640 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 – ANDHERI WEST LOKHANDAWALA, use IMPS. With IFSC AUBL0002640 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 AUBL0002640 for AU Small Finance Bank Limited – ANDHERI WEST LOKHANDAWALA, 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 Andheri West Lokhandawala 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 AUBL0002640

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 – ANDHERI WEST LOKHANDAWALA is still mapped to IFSC AUBL0002640. 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 AUBL0002640 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Andheri West Lokhandawala branch is mapped to IFSC AUBL0002640 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 AUBL0002640.

Banking services available

The Andheri West Lokhandawala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8652732217.

• 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 AUBL0002640

MICR & cheque-truncation details

Cheques drawn on the Andheri West Lokhandawala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUBL0002640 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC AUBL0002640

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the ANDHERI WEST LOKHANDAWALA 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 AUBL0002640 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to AU Small Finance Bank Limited – ANDHERI WEST LOKHANDAWALA:

• The IFSC is exactly AUBL0002640 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills AU Small Finance Bank Limited as the bank name and ANDHERI WEST LOKHANDAWALA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Andheri West Lokhandawala branch

The branch is located at SHOP NO.19 20,GROUND FLOOR,SAMARTHA VAIBHAV CHS LTD,OFF K.L.WALAWALKAR MARG,LOKHANDWALA,ANDHERI WEST,MUMBAI-400053, which puts it inside Mumbai, the broader Mumbai district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “AU Small Finance Bank Limited Andheri West Lokhandawala branch” — the verified location pin for IFSC AUBL0002640 should appear at the top of the results.
2. Confirm the branch is open by calling 8652732217 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 AUBL0002640 and your account number.

Verifying IFSC AUBL0002640 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 AUBL0002640 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8652732217.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Andheri West Lokhandawala 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 AUBL0002640 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0002640 belongs to AU Small Finance Bank Limited's ANDHERI WEST LOKHANDAWALA branch, located at SHOP NO.19 20,GROUND FLOOR,SAMARTHA VAIBHAV CHS LTD,OFF K.L.WALAWALKAR… in MUMBAI, MAHARASHTRA. 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.