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

Use this page as a one-stop reference for everything related to AU Small Finance Bank Limited's MOHALI BRANCH branch in S.A.S.NAGAR MOHALI, PUNJAB. The branch's IFSC code AUBL0004201 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.

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, AUBL0004201 is the IFSC of AU Small Finance Bank Limited's MOHALI BRANCH branch. The format is fixed: AUBL = bank code, 0 = reserved, 004201 = 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 Mohali Branch branch in S.a.S.Nagar Mohali. 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, AUBL0004201.

About this branch

The branch is located at GROUND FLOOR,SCF-55,PHASE 11,MOHALI,PUNJAB - 160062. It serves the S.a.S.Nagar Mohali 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 AUBL0004201 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 MOHALI BRANCH of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0004201 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 AUBL0004201 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 AUBL0004201

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 AUBL0004201 across all three.

How to use IFSC AUBL0004201 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 MOHALI BRANCH 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 AUBL0004201.
4. Confirm the bank name auto-populates as AU Small Finance Bank Limited and the branch as MOHALI BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MOHALI BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at AU Small Finance Bank Limited's MOHALI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUBL0004201 while initiating the transfer and the credit will appear within minutes.

IMPS to AU Small Finance Bank Limited MOHALI BRANCH (IFSC AUBL0004201)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUBL0004201 in your mobile or internet banking app, and the money is credited to the MOHALI BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mohali Branch

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 AUBL0004201:

• 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 MOHALI BRANCH is still linked to IFSC AUBL0004201.

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 MOHALI BRANCH branch, the IFSC AUBL0004201 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.

Products and account variants supported

Every account opened at the Mohali Branch branch is mapped to IFSC AUBL0004201 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 AUBL0004201.

Products and services

Customers walking into the Mohali Branch 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 AUBL0004201

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 AUBL0004201 and the account number together uniquely identify the Mohali Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC AUBL0004201

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the MOHALI BRANCH 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 AUBL0004201 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 – MOHALI BRANCH:

• The IFSC is exactly AUBL0004201 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 MOHALI BRANCH 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 Mohali Branch branch

The branch is located at GROUND FLOOR,SCF-55,PHASE 11,MOHALI,PUNJAB - 160062, which puts it inside S.a.S.Nagar Mohali, the broader Sahibzada Ajit Singh Nagar 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 Mohali Branch branch” — the verified location pin for IFSC AUBL0004201 should appear at the top of the results.
2. Confirm the branch is open by calling 9773380617 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 AUBL0004201 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUBL0004201 for AU Small Finance Bank Limited – MOHALI BRANCH, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Mohali Branch 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 AUBL0004201 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code AUBL0004201 belongs to AU Small Finance Bank Limited's MOHALI BRANCH branch, located at GROUND FLOOR,SCF-55,PHASE 11,MOHALI,PUNJAB - 160062 in S.A.S.NAGAR MOHALI, 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.