Below are the complete branch details for City Union Bank Limited, BALOTRA branch, located in BALOTRA, RAJASTHAN. The IFSC assigned by the Reserve Bank of India to this branch is CIUB0000388. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CIUB0000388 for City Union Bank Limited – BALOTRA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For City Union Bank Limited's BALOTRA branch, the IFSC CIUB0000388 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000388 identifies this particular branch.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Balotra |
| IFSC Code | CIUB0000388 |
| MICR Code | Refer to cheque leaf |
| Branch Address | WARD NO.2,KHASARA NO.622,KHER ROAD,BALOTRA 344 022 RAJASTHAN STATE |
| City | Balotra |
| District | Barmer |
| State | Rajasthan |
| Phone | 9314906153 |
Bank profile
City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Balotra branch — IFSC CIUB0000388 — extends the bank's services to customers in and around Balotra, Rajasthan.
Balotra branch overview
Located at WARD NO.2,KHASARA NO.622,KHER ROAD,BALOTRA 344 022 RAJASTHAN STATE, the Balotra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000388 is required for all interbank electronic transfers routed through this branch.
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 City Union Bank Limited's BALOTRA branch came to be assigned the code CIUB0000388.
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 CIUB0000388, money simply cannot be routed to the BALOTRA branch electronically.
How to transfer money using IFSC CIUB0000388
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 CIUB0000388 across all three.
NEFT to City Union Bank Limited, BALOTRA using IFSC CIUB0000388
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 CIUB0000388, and confirm that the system picks up City Union Bank Limited – BALOTRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BALOTRA
If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's BALOTRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000388 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to City Union Bank Limited – BALOTRA, use IMPS. With IFSC CIUB0000388 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CIUB0000388 for City Union Bank Limited – BALOTRA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CIUB0000388 | Yes – CIUB0000388 | Yes – CIUB0000388 |
For most retail customers crediting the Balotra branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
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 City Union Bank Limited's BALOTRA branch, the IFSC CIUB0000388 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.
Account types you can open at the Balotra branch
Once you have an account at City Union Bank Limited – BALOTRA, the IFSC CIUB0000388 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 Balotra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9314906153.
- 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 CIUB0000388
MICR & cheque-truncation details
Cheques drawn on the Balotra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000388 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC CIUB0000388
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BALOTRA 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 CIUB0000388 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.
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 City Union Bank Limited – BALOTRA:
- The IFSC is exactly CIUB0000388 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills City Union Bank Limited as the bank name and BALOTRA 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.
How to reach the Balotra branch
The branch is located at WARD NO.2,KHASARA NO.622,KHER ROAD,BALOTRA 344 022 RAJASTHAN STATE, which puts it inside Balotra, the broader Barmer district, and the state of Rajasthan. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Balotra branch” — the verified location pin for IFSC CIUB0000388 should appear at the top of the results.
- Confirm the branch is open by calling 9314906153 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 CIUB0000388 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CIUB0000388 for City Union Bank Limited – BALOTRA, 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.
Working hours
Branch counters at Balotra 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 CIUB0000388 continue to work without interruption.
Branch address & contact
City Union Bank LimitedBalotra Branch
WARD NO.2,KHASARA NO.622,KHER ROAD,BALOTRA 344 022 RAJASTHAN STATE
Balotra, Rajasthan
Phone: 9314906153
IFSC: CIUB0000388
Frequently asked questions
What is the phone number of City Union Bank Limited Balotra branch?
You can reach the branch at 9314906153 during regular banking hours.
Where is City Union Bank Limited Balotra branch located?
City Union Bank Limited's Balotra branch is located at WARD NO.2,KHASARA NO.622,KHER ROAD,BALOTRA 344 022 RAJASTHAN STATE, Balotra, Rajasthan.
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 Balotra branch but serve different purposes.
How quickly will an NEFT transfer using CIUB0000388 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Balotra reflect within 30 minutes.
Can I use IFSC CIUB0000388 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000388 to send funds instantly.
How do I add City Union Bank Limited Balotra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000388, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC CIUB0000388 the same for all accounts at Balotra branch?
Yes. The IFSC CIUB0000388 is shared by every account held at City Union Bank Limited's Balotra branch. Only the account number changes from customer to customer.
Is IFSC CIUB0000388 valid for NEFT and RTGS?
Yes. IFSC CIUB0000388 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code CIUB0000388 belongs to City Union Bank Limited's BALOTRA branch, located at WARD NO.2,KHASARA NO.622,KHER ROAD,BALOTRA 344 022 RAJASTHAN STATE in BALOTRA, RAJASTHAN. 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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