If you are searching for the IFSC code of AU Small Finance Bank Limited, RANIPET KELLYS ROAD branch in WALLAJAH, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is AUBL0004103. 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 RANIPET KELLYS ROAD branch, and detailed step-by-step guides for using the IFSC AUBL0004103 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.
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, AUBL0004103 is the IFSC of AU Small Finance Bank Limited's RANIPET KELLYS ROAD branch. The format is fixed: AUBL = bank code, 0 = reserved, 004103 = branch identifier.
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 Ranipet Kellys Road branch in Wallajah, Tamil Nadu is part of this network and uses the IFSC code AUBL0004103 for all electronic settlement.
Branch details at a glance
| Bank Name | AU Small Finance Bank Limited |
|---|---|
| Branch | Ranipet Kellys Road |
| IFSC Code | AUBL0004103 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NUMBER -19/A,KELLY S ROAD,NAVALPUR,RANIPET-632401 |
| City | Wallajah |
| District | Ranipet |
| State | Tamil Nadu |
| Phone | 9773345839 |
About the Ranipet Kellys Road branch
The Ranipet Kellys Road branch of AU Small Finance Bank Limited is situated at NUMBER -19/A,KELLY S ROAD,NAVALPUR,RANIPET-632401. 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 AUBL0004103 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 RANIPET KELLYS ROAD branch came to be assigned the code AUBL0004103.
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 AUBL0004103, money simply cannot be routed to the RANIPET KELLYS ROAD branch electronically.
Account types you can open at the Ranipet Kellys Road branch
Once you have an account at AU Small Finance Bank Limited – RANIPET KELLYS ROAD, the IFSC AUBL0004103 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Ranipet Kellys Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9773345839.
- 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 AUBL0004103
How to transfer money using IFSC AUBL0004103
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 AUBL0004103 across all three.
NEFT to AU Small Finance Bank Limited, RANIPET KELLYS ROAD using IFSC AUBL0004103
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 AUBL0004103, and confirm that the system picks up AU Small Finance Bank Limited – RANIPET KELLYS ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RANIPET KELLYS ROAD
If you need to transfer ₹2 lakh or more in one go to an account at AU Small Finance Bank Limited's RANIPET KELLYS ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC AUBL0004103 while initiating the transfer and the credit will appear within minutes.
IMPS to AU Small Finance Bank Limited RANIPET KELLYS ROAD (IFSC AUBL0004103)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC AUBL0004103 in your mobile or internet banking app, and the money is credited to the RANIPET KELLYS ROAD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ranipet Kellys Road
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 AUBL0004103:
- 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 RANIPET KELLYS ROAD is still linked to IFSC AUBL0004103.
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.
UPI payments and IFSC AUBL0004103
UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at AU Small Finance Bank Limited – RANIPET KELLYS ROAD is still mapped to IFSC AUBL0004103. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.
If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC AUBL0004103 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Ranipet Kellys Road 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 AUBL0004103 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 AUBL0004103 and the account number together uniquely identify the Ranipet Kellys Road 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 AUBL0004103
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 – RANIPET KELLYS ROAD, 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:
AUBL0004103. - 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 Ranipet Kellys Road branch
The branch is located at NUMBER -19/A,KELLY S ROAD,NAVALPUR,RANIPET-632401, which puts it inside Wallajah, the broader Ranipet district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “AU Small Finance Bank Limited Ranipet Kellys Road branch” — the verified location pin for IFSC AUBL0004103 should appear at the top of the results.
- Confirm the branch is open by calling 9773345839 before stepping out, especially around public holidays.
- 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 AUBL0004103 and your account number.
Verifying IFSC AUBL0004103 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 AUBL0004103 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9773345839.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Ranipet Kellys Road 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 AUBL0004103 continue to work without interruption.
Branch address & contact
AU Small Finance Bank LimitedRanipet Kellys Road Branch
NUMBER -19/A,KELLY S ROAD,NAVALPUR,RANIPET-632401
Wallajah, Tamil Nadu
Phone: 9773345839
IFSC: AUBL0004103
Frequently asked questions
How do I add AU Small Finance Bank Limited Ranipet Kellys Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC AUBL0004103, and complete OTP verification. Once activated, you can transfer funds at any time.
Does AU Small Finance Bank Limited Ranipet Kellys Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9773345839 to confirm.
Can I use IFSC AUBL0004103 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC AUBL0004103 to send funds instantly.
How quickly will an NEFT transfer using AUBL0004103 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to AU Small Finance Bank Limited – Ranipet Kellys Road reflect within 30 minutes.
What is the IFSC code of AU Small Finance Bank Limited Ranipet Kellys Road branch?
The IFSC code of AU Small Finance Bank Limited, Ranipet Kellys Road branch is AUBL0004103. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC AUBL0004103 valid for NEFT and RTGS?
Yes. IFSC AUBL0004103 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Ranipet Kellys Road branch but serve different purposes.
Is IFSC AUBL0004103 the same for all accounts at Ranipet Kellys Road branch?
Yes. The IFSC AUBL0004103 is shared by every account held at AU Small Finance Bank Limited's Ranipet Kellys Road branch. Only the account number changes from customer to customer.
Summary
The IFSC code AUBL0004103 belongs to AU Small Finance Bank Limited's RANIPET KELLYS ROAD branch, located at NUMBER -19/A,KELLY S ROAD,NAVALPUR,RANIPET-632401 in WALLAJAH, TAMIL NADU. 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.
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