This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, AYODHYA BRANCH branch in AYODHYA. The 11-digit IFSC CIUB0000805 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with City Union Bank Limited at the AYODHYA BRANCH location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 City Union Bank Limited – AYODHYA BRANCH is CIUB0000805. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000805 map to this branch in AYODHYA, UTTAR PRADESH.
About City Union Bank Limited
City Union Bank Limited operates a wide network of branches across India, including the Ayodhya Branch branch in Ayodhya. 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, CIUB0000805.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Ayodhya Branch |
| IFSC Code | CIUB0000805 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 2/6/17,NEAR ALKA TOWER,NIYAWAN ROAD,RAMPATH,AYODHYA. |
| City | Ayodhya |
| District | Uttar Pradesh |
| State | Uttar Pradesh |
| STD Code | 5278 |
| Phone | 8925909805 |
About this branch
The branch is located at 2/6/17,NEAR ALKA TOWER,NIYAWAN ROAD,RAMPATH,AYODHYA.. It serves the Ayodhya region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of City Union Bank Limited. The IFSC CIUB0000805 is used to identify this branch on the RBI payments network.
Why every City Union 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 AYODHYA BRANCH of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000805 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 CIUB0000805 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Ayodhya Branch branch is mapped to IFSC CIUB0000805 on the RBI payments network. The branch generally supports the full retail product catalogue of City Union 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 CIUB0000805.
Products and services
Customers walking into the Ayodhya Branch branch can access most of City Union 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 CIUB0000805
How to transfer money using IFSC CIUB0000805
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 CIUB0000805 across all three.
NEFT to City Union Bank Limited, AYODHYA BRANCH using IFSC CIUB0000805
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 CIUB0000805, and confirm that the system picks up City Union Bank Limited – AYODHYA BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CIUB0000805
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to City Union Bank Limited – AYODHYA BRANCH, ensure your bank's portal accepts IFSC CIUB0000805 while registering the beneficiary. RTGS is also available 24x7.
IMPS to City Union Bank Limited AYODHYA BRANCH (IFSC CIUB0000805)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000805 in your mobile or internet banking app, and the money is credited to the AYODHYA BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Ayodhya 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 CIUB0000805:
- 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 AYODHYA BRANCH is still linked to IFSC CIUB0000805.
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 CIUB0000805
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 City Union Bank Limited – AYODHYA BRANCH is still mapped to IFSC CIUB0000805. 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 CIUB0000805 and the beneficiary's account number to complete the transfer.
Online banking and IFSC CIUB0000805
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AYODHYA 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 CIUB0000805 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.
MICR & cheque-truncation details
Cheques drawn on the Ayodhya Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000805 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC CIUB0000805
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 City Union Bank Limited – AYODHYA BRANCH, 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:
CIUB0000805. - 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.
Reaching the branch
The Ayodhya Branch branch sits at 2/6/17,NEAR ALKA TOWER,NIYAWAN ROAD,RAMPATH,AYODHYA.. If you are travelling from outside Ayodhya, search for the branch on a maps application using the bank name and locality, or call 5278-8925909805 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 CIUB0000805 and your account number.
Verifying IFSC CIUB0000805 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 CIUB0000805 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 5278-8925909805.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Ayodhya Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000805, however, work 24x7.
Branch address & contact
City Union Bank LimitedAyodhya Branch Branch
2/6/17,NEAR ALKA TOWER,NIYAWAN ROAD,RAMPATH,AYODHYA.
Ayodhya, Uttar Pradesh
Phone: 5278-8925909805
IFSC: CIUB0000805
Frequently asked questions
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 Ayodhya Branch branch but serve different purposes.
Is IFSC CIUB0000805 valid for NEFT and RTGS?
Yes. IFSC CIUB0000805 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add City Union Bank Limited Ayodhya Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000805, and complete OTP verification. Once activated, you can transfer funds at any time.
Does City Union Bank Limited Ayodhya Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 5278-8925909805 to confirm.
How quickly will an NEFT transfer using CIUB0000805 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Ayodhya Branch reflect within 30 minutes.
Can I use IFSC CIUB0000805 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000805 to send funds instantly.
Summary
The IFSC code CIUB0000805 belongs to City Union Bank Limited's AYODHYA BRANCH branch, located at 2/6/17,NEAR ALKA TOWER,NIYAWAN ROAD,RAMPATH,AYODHYA. in AYODHYA, UTTAR PRADESH. 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.
