IFSC Code of AU Small Finance Bank Limited, Panipat Branch, Haryana

Use this page as a one-stop reference for everything related to AU Small Finance Bank Limited's PANIPAT branch in PANIPAT, HARYANA. The branch's IFSC code AUBL0002115 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 PANIPAT branch, the IFSC AUBL0002115 breaks down as follows: AUBL identifies the bank, 0 is the reserved character, and 002115 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 Panipat branch — IFSC AUBL0002115 — extends the bank's services to customers in and around Panipat, Haryana.

Branch details at a glance

About the Panipat branch

The Panipat branch of AU Small Finance Bank Limited is situated at WARD NO.19, DAYAL PROPERTY, G.T. ROAD NEAR MID TOWN HOTEL. 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 AUBL0002115 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 PANIPAT branch came to be assigned the code AUBL0002115.

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 AUBL0002115, money simply cannot be routed to the PANIPAT branch electronically.

Products and account variants supported

Every account opened at the Panipat branch is mapped to IFSC AUBL0002115 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 AUBL0002115.

Products and services

Customers walking into the Panipat 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 AUBL0002115

How to transfer money using IFSC AUBL0002115

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 AUBL0002115 across all three.

NEFT to AU Small Finance Bank Limited, PANIPAT using IFSC AUBL0002115

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 AUBL0002115, and confirm that the system picks up AU Small Finance Bank Limited – PANIPAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to PANIPAT

If you need to transfer ₹2 lakh or more in one go to an account at AU Small Finance Bank Limited's PANIPAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUBL0002115 while initiating the transfer and the credit will appear within minutes.

IMPS to AU Small Finance Bank Limited PANIPAT (IFSC AUBL0002115)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUBL0002115 in your mobile or internet banking app, and the money is credited to the PANIPAT branch account within seconds.

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

All three modes accept the IFSC AUBL0002115 for AU Small Finance Bank Limited – PANIPAT, 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 Panipat 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 PANIPAT branch, the IFSC AUBL0002115 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 AUBL0002115

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PANIPAT 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 AUBL0002115 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 & cheque-truncation details

Cheques drawn on the Panipat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC AUBL0002115 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – PANIPAT:

• The IFSC is exactly AUBL0002115 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 PANIPAT 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.

Reaching the branch

The Panipat branch sits at WARD NO.19, DAYAL PROPERTY, G.T. ROAD NEAR MID TOWN HOTEL. If you are travelling from outside Panipat, search for the branch on a maps application using the bank name and locality, or call 171-2664408 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 AUBL0002115 and your account number.

Verifying IFSC AUBL0002115 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 AUBL0002115 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 171-2664408.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Panipat 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 AUBL0002115 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0002115 belongs to AU Small Finance Bank Limited's PANIPAT branch, located at WARD NO.19, DAYAL PROPERTY, G.T. ROAD NEAR MID TOWN HOTEL in PANIPAT, HARYANA. 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.