IFSC Code of AU Small Finance Bank Limited, Mumbai Ghatkopar Branch, Maharashtra

Use this page as a one-stop reference for everything related to AU Small Finance Bank Limited's MUMBAI GHATKOPAR branch in NO BLOCK, MAHARASHTRA. The branch's IFSC code AUBL0004188 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 – MUMBAI GHATKOPAR is AUBL0004188. The first four letters AUBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004188 map to this branch in NO BLOCK, MAHARASHTRA.

About AU Small Finance Bank Limited

AU Small Finance Bank Limited operates a wide network of branches across India, including the Mumbai Ghatkopar branch in No Block. 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, AUBL0004188.

Branch details at a glance

About the Mumbai Ghatkopar branch

The Mumbai Ghatkopar branch of AU Small Finance Bank Limited is situated at RUDFRSHP.22EEKATHREETRAMARAYAARKARMAR. 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 AUBL0004188 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 MUMBAI GHATKOPAR branch came to be assigned the code AUBL0004188.

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 AUBL0004188, money simply cannot be routed to the MUMBAI GHATKOPAR branch electronically.

Products and account variants supported

Every account opened at the Mumbai Ghatkopar branch is mapped to IFSC AUBL0004188 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 AUBL0004188.

Products and services

Customers walking into the Mumbai Ghatkopar 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 AUBL0004188

How to transfer money using IFSC AUBL0004188

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 AUBL0004188 across all three.

How to use IFSC AUBL0004188 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 MUMBAI GHATKOPAR 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 AUBL0004188.
4. Confirm the bank name auto-populates as AU Small Finance Bank Limited and the branch as MUMBAI GHATKOPAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC AUBL0004188

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 – MUMBAI GHATKOPAR, ensure your bank's portal accepts IFSC AUBL0004188 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 – MUMBAI GHATKOPAR, use IMPS. With IFSC AUBL0004188 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 AUBL0004188 for AU Small Finance Bank Limited – MUMBAI GHATKOPAR, 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 Mumbai Ghatkopar 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.

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 MUMBAI GHATKOPAR branch, the IFSC AUBL0004188 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.

Digital banking channels

Most day-to-day work that customers used to do at the Mumbai Ghatkopar 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 AUBL0004188 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 AUBL0004188 and the account number together uniquely identify the Mumbai Ghatkopar 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 AUBL0004188

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 – MUMBAI GHATKOPAR, 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: AUBL0004188.
• 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 Mumbai Ghatkopar branch

The branch is located at RUDFRSHP.22EEKATHREETRAMARAYAARKARMAR, which puts it inside No Block, 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 Mumbai Ghatkopar branch” — the verified location pin for IFSC AUBL0004188 should appear at the top of the results.
2. Confirm the branch is open by calling 8422879342 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 AUBL0004188 and your account number.

Verifying IFSC AUBL0004188 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 AUBL0004188 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8422879342.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mumbai Ghatkopar 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 AUBL0004188 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0004188 belongs to AU Small Finance Bank Limited's MUMBAI GHATKOPAR branch, located at RUDFRSHP.22EEKATHREETRAMARAYAARKARMAR in NO BLOCK, 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.