IFSC Code of City Union Bank Limited, Koramangala Bangalore Branch, Karnataka

This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, KORAMANGALA BANGALORE branch in BENGALURU. The 11-digit IFSC CIUB0000109 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 KORAMANGALA BANGALORE 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 – KORAMANGALA BANGALORE is CIUB0000109. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000109 map to this branch in BENGALURU, KARNATAKA.

About City Union Bank Limited

City Union Bank Limited operates a wide network of branches across India, including the Koramangala Bangalore branch in Bengaluru. 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, CIUB0000109.

Branch details at a glance

Koramangala Bangalore branch overview

Located at 92, Z SQUARE, GR FLOOR, JYOTHI NIVAS COLLEGE ROAD, INDUSTRIAL LAYOUT, 5TH BLOCK, KORAMANGALA, BENGALURU, the Koramangala Bangalore branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000109 is required for all interbank electronic transfers routed through this branch.

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 KORAMANGALA BANGALORE of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000109 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 CIUB0000109 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 Koramangala Bangalore branch is mapped to IFSC CIUB0000109 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 CIUB0000109.

Banking services available

The Koramangala Bangalore branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 80-25630439.

• 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 CIUB0000109

How to transfer money using IFSC CIUB0000109

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 CIUB0000109 across all three.

NEFT to City Union Bank Limited, KORAMANGALA BANGALORE using IFSC CIUB0000109

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 CIUB0000109, and confirm that the system picks up City Union Bank Limited – KORAMANGALA BANGALORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CIUB0000109

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 – KORAMANGALA BANGALORE, ensure your bank's portal accepts IFSC CIUB0000109 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to City Union Bank Limited – KORAMANGALA BANGALORE, use IMPS. With IFSC CIUB0000109 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 CIUB0000109 for City Union Bank Limited – KORAMANGALA BANGALORE, 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.

For most retail customers crediting the Koramangala Bangalore 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.

UPI payments and IFSC CIUB0000109

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 – KORAMANGALA BANGALORE is still mapped to IFSC CIUB0000109. 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 CIUB0000109 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CIUB0000109

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KORAMANGALA BANGALORE 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 CIUB0000109 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 code & cheque clearing

Apart from IFSC, every cheque book issued by City Union Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CIUB0000109 and the account number together uniquely identify the Koramangala Bangalore branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KORAMANGALA BANGALORE:

• The IFSC is exactly CIUB0000109 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 KORAMANGALA BANGALORE 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 Koramangala Bangalore branch

The branch is located at 92, Z SQUARE, GR FLOOR, JYOTHI NIVAS COLLEGE ROAD, INDUSTRIAL LAYOUT, 5TH BLOCK, KORAMANGALA, BENGALURU, which puts it inside Bengaluru, the broader Bengaluru Urban district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Koramangala Bangalore branch” — the verified location pin for IFSC CIUB0000109 should appear at the top of the results.
2. Confirm the branch is open by calling 80-25630439 before stepping out, especially around public holidays.
3. 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 CIUB0000109 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000109 for City Union Bank Limited – KORAMANGALA BANGALORE, 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.

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 Koramangala Bangalore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000109, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000109 belongs to City Union Bank Limited's KORAMANGALA BANGALORE branch, located at 92, Z SQUARE, GR FLOOR, JYOTHI NIVAS COLLEGE ROAD, INDUSTRIAL LAYOUT, 5TH… in BENGALURU, KARNATAKA. 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.