AU Small Finance Bank
PANAJI GOA BRANCH
+918828864073
Related Branches
Understanding IFSC Code: The Digital DNA of AU Small Finance Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the PANAJI GOA
branch of AU Small Finance Bank, the code AUBL0004197 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the AUBL0004197 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"AUBL" represents AU Small Finance Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for PANAJI GOA
Payment Systems Supported by AUBL0004197
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—403765004—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The AU Small Finance Bank in TISWADI typically follows the RBI holiday calendar. Digital transfers via AUBL0004197 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While AUBL0004197 is the valid code for PANAJI GOA at TISWADI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • AU Small Finance Bank Branch List
- • TISWADI IFSC Codes
- • Swift Code for AU Small Finance Bank
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Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
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Branch Context
- • PANAJI GOA Contact
- • Address of AU Small Finance Bank
- • MICR Code Finder
- • GOA Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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