IFSC Code of AU Small Finance Bank Limited, Nawanshahr Branch, Punjab

Use this page as a one-stop reference for everything related to AU Small Finance Bank Limited's NAWANSHAHR branch in NAWANSHAHR, PUNJAB. The branch's IFSC code AUBL0002395 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.

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 NAWANSHAHR branch, the IFSC AUBL0002395 breaks down as follows: AUBL identifies the bank, 0 is the reserved character, and 002395 identifies this particular branch.

About the bank

AU Small Finance Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nawanshahr branch in Nawanshahr, Punjab is part of this network and uses the IFSC code AUBL0002395 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at GUJJAR PUR KALAN, BANGA ROAD. It serves the Nawanshahr 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 AUBL0002395 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 NAWANSHAHR of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0002395 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 AUBL0002395 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Nawanshahr branch is mapped to IFSC AUBL0002395 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 AUBL0002395.

Banking services available

The Nawanshahr branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 183-224200.

• 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 AUBL0002395

How to transfer money using IFSC AUBL0002395

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 AUBL0002395 across all three.

NEFT to AU Small Finance Bank Limited, NAWANSHAHR using IFSC AUBL0002395

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 AUBL0002395, and confirm that the system picks up AU Small Finance Bank Limited – NAWANSHAHR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC AUBL0002395

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 – NAWANSHAHR, ensure your bank's portal accepts IFSC AUBL0002395 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 – NAWANSHAHR, use IMPS. With IFSC AUBL0002395 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 Nawanshahr

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 AUBL0002395:

• 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 NAWANSHAHR is still linked to IFSC AUBL0002395.

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 NAWANSHAHR branch, the IFSC AUBL0002395 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.

Online banking and IFSC AUBL0002395

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the NAWANSHAHR 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 AUBL0002395 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.

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 AUBL0002395 and the account number together uniquely identify the Nawanshahr branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – NAWANSHAHR:

• The IFSC is exactly AUBL0002395 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 NAWANSHAHR 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 Nawanshahr branch

The branch is located at GUJJAR PUR KALAN, BANGA ROAD, which puts it inside Nawanshahr, the broader Nawanshahr 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 Nawanshahr branch” — the verified location pin for IFSC AUBL0002395 should appear at the top of the results.
2. Confirm the branch is open by calling 183-224200 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 AUBL0002395 and your account number.

Verifying IFSC AUBL0002395 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 AUBL0002395 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 183-224200.
• 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 Nawanshahr branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC AUBL0002395, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0002395 belongs to AU Small Finance Bank Limited's NAWANSHAHR branch, located at GUJJAR PUR KALAN, BANGA ROAD in NAWANSHAHR, 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.