Au Small Finance Bank Karaikal IFSC Code
Au Small Finance Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Karaikal
District
Karaikal
State
Puducherry
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Frequently Asked Questions
About Au Small Finance Bank Karaikal (198 Bharathiyar Street Karai - 4623), Karaikal
The IFSC code AUBL0004623 (lowercase: aubl0004623) belongs to Au Small Finance Bank, specifically the Karaikal (198 Bharathiyar Street Karai - 4623) branch located in Karaikal, Puducherry.
The 5th character in the IFSC code AUBL0004623 is a zero (0), not the letter 'O'. The correct format is AUBL0004623 (lowercase: aubl0004623), and not AUBLO004623. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Au Small Finance Bank Karaikal (198 Bharathiyar Street Karai - 4623) in Karaikal, Puducherry is AUBL0004623. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Au Small Finance Bank Karaikal (198 Bharathiyar Street Karai - 4623) is located at 198, Bharathiyar Street, Karaikal, Karaikal, Puducherry, Karaikal, Puducherry. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Au Small Finance Bank Karaikal (198 Bharathiyar Street Karai - 4623) is 609765002. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code AUBL0004623 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code AUBL0004623 by checking: (1) The top-left corner of any Au Small Finance Bank Karaikal (198 Bharathiyar Street Karai - 4623) cheque leaf, (2) The first page of your Au Small Finance Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: AUBL0004623
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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AUBL0004623
What Each Part Means
- Bank Code — AUBL
- The first 4 characters uniquely identify Au Small Finance Bank at the national level. Every branch of Au Small Finance Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 004623
- The final 6 characters 004623 uniquely identify this specific branch within the Au Small Finance Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | AUBL | Identifies Au Small Finance Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 004623 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Au Small Finance Bank
Karaikal (198 Bharathiyar Street Karai - 4623), Karaikal, Puducherry
Cheque No.
00004623
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | AUBL0004623 | 609765002 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.