IFSC Code of AU Small Finance Bank Limited, Varanasirathyatra Branch, Uttar Pradesh

If you are searching for the IFSC code of AU Small Finance Bank Limited, VARANASIRATHYATRA branch in VARANASI, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is AUBL0002582. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the VARANASIRATHYATRA branch, and detailed step-by-step guides for using the IFSC AUBL0002582 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – VARANASIRATHYATRA is AUBL0002582. The first four letters AUBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 002582 map to this branch in VARANASI, UTTAR PRADESH.

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 Varanasirathyatra branch in Varanasi, Uttar Pradesh is part of this network and uses the IFSC code AUBL0002582 for all electronic settlement.

About the Varanasirathyatra branch

The Varanasirathyatra branch of AU Small Finance Bank Limited is situated at SHAHPURI HIGHTS, GROUND AND 1ST FLOOR, B37/117-H-D-2, BENIRAMBAGH, BIRDOPUR, RATHYATRA, VARANASI, UP - 221010. 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 AUBL0002582 is used.

Branch details at a glance

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 VARANASIRATHYATRA of AU Small Finance Bank Limited — its own 11-character IFSC. The code AUBL0002582 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 AUBL0002582 the same way you would treat your account number — verify it once and save it carefully for future use.

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 AUBL0002582 and the account number together uniquely identify the Varanasirathyatra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC AUBL0002582

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 AUBL0002582 across all three.

How to use IFSC AUBL0002582 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 VARANASIRATHYATRA 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 AUBL0002582.
4. Confirm the bank name auto-populates as AU Small Finance Bank Limited and the branch as VARANASIRATHYATRA.
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 VARANASIRATHYATRA

If you need to transfer ₹2 lakh or more in one go to an account at AU Small Finance Bank Limited's VARANASIRATHYATRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUBL0002582 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to AU Small Finance Bank Limited – VARANASIRATHYATRA, use IMPS. With IFSC AUBL0002582 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 Varanasirathyatra

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 AUBL0002582:

• 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 VARANASIRATHYATRA is still linked to IFSC AUBL0002582.

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 VARANASIRATHYATRA branch, the IFSC AUBL0002582 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 Varanasirathyatra branch is mapped to IFSC AUBL0002582 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 AUBL0002582.

Products and services

Customers walking into the Varanasirathyatra 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 AUBL0002582

Online banking and IFSC AUBL0002582

AU Small Finance Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VARANASIRATHYATRA 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 AUBL0002582 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.

Reaching the branch

The Varanasirathyatra branch sits at SHAHPURI HIGHTS, GROUND AND 1ST FLOOR, B37/117-H-D-2, BENIRAMBAGH, BIRDOPUR, RATHYATRA, VARANASI, UP - 221010. If you are travelling from outside Varanasi, search for the branch on a maps application using the bank name and locality, or call 9116631410 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 AUBL0002582 and your account number.

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 – VARANASIRATHYATRA:

• The IFSC is exactly AUBL0002582 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 VARANASIRATHYATRA 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.

Working hours

Branch counters at Varanasirathyatra 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 AUBL0002582 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC AUBL0002582 for AU Small Finance Bank Limited – VARANASIRATHYATRA, 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.

Branch address & contact

Frequently asked questions

Final notes

To recap: AUBL0002582 is the IFSC code of AU Small Finance Bank Limited, VARANASIRATHYATRA branch, in VARANASI, UTTAR PRADESH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.