If you are searching for the IFSC code of City Union Bank Limited, BHOPAL branch in BHOPAL, MADHYA PRADESH, this page has every detail you need. The verified IFSC code for this branch is CIUB0000393. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BHOPAL branch, and detailed step-by-step guides for using the IFSC CIUB0000393 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, CIUB0000393 is the IFSC of City Union Bank Limited's BHOPAL branch. The format is fixed: CIUB = bank code, 0 = reserved, 000393 = branch identifier.
About City Union Bank Limited
City Union Bank Limited operates a wide network of branches across India, including the Bhopal branch in Bhopal. 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, CIUB0000393.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Bhopal |
| IFSC Code | CIUB0000393 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 127,M.P.NAGAR,ZONE 2,BHOPAL,BHOPAL |
| City | Bhopal |
| District | Bhopal |
| State | Madhya Pradesh |
| Phone | 9301552849 |
About the Bhopal branch
The Bhopal branch of City Union Bank Limited is situated at 127,M.P.NAGAR,ZONE 2,BHOPAL,BHOPAL. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CIUB0000393 is used.
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 BHOPAL branch came to be assigned the code CIUB0000393.
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 CIUB0000393, money simply cannot be routed to the BHOPAL branch electronically.
Account types you can open at the Bhopal branch
Once you have an account at City Union Bank Limited – BHOPAL, the IFSC CIUB0000393 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 Bhopal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9301552849.
- 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 CIUB0000393
How to transfer money using IFSC CIUB0000393
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 CIUB0000393 across all three.
How to use IFSC CIUB0000393 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's BHOPAL branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CIUB0000393.
- Confirm the bank name auto-populates as City Union Bank Limited and the branch as BHOPAL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CIUB0000393
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 – BHOPAL, ensure your bank's portal accepts IFSC CIUB0000393 while registering the beneficiary. RTGS is also available 24x7.
IMPS to City Union Bank Limited BHOPAL (IFSC CIUB0000393)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000393 in your mobile or internet banking app, and the money is credited to the BHOPAL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Bhopal
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 CIUB0000393:
- 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 BHOPAL is still linked to IFSC CIUB0000393.
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 CIUB0000393
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 – BHOPAL is still mapped to IFSC CIUB0000393. 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 CIUB0000393 and the beneficiary's account number to complete the transfer.
Online banking and IFSC CIUB0000393
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BHOPAL 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 CIUB0000393 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 CIUB0000393 and the account number together uniquely identify the Bhopal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC CIUB0000393
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 – BHOPAL, 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:
CIUB0000393. - 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.
How to reach the Bhopal branch
The branch is located at 127,M.P.NAGAR,ZONE 2,BHOPAL,BHOPAL, which puts it inside Bhopal, the broader Bhopal district, and the state of Madhya Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Bhopal branch” — the verified location pin for IFSC CIUB0000393 should appear at the top of the results.
- Confirm the branch is open by calling 9301552849 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 CIUB0000393 and your account number.
Verifying IFSC CIUB0000393 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 CIUB0000393 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9301552849.
- 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 Bhopal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000393, however, work 24x7.
Branch address & contact
City Union Bank LimitedBhopal Branch
127,M.P.NAGAR,ZONE 2,BHOPAL,BHOPAL
Bhopal, Madhya Pradesh
Phone: 9301552849
IFSC: CIUB0000393
Frequently asked questions
Can I use IFSC CIUB0000393 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000393 to send funds instantly.
Is IFSC CIUB0000393 valid for NEFT and RTGS?
Yes. IFSC CIUB0000393 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is City Union Bank Limited Bhopal branch located?
City Union Bank Limited's Bhopal branch is located at 127,M.P.NAGAR,ZONE 2,BHOPAL,BHOPAL, Bhopal, Madhya Pradesh.
Does City Union Bank Limited Bhopal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9301552849 to confirm.
Is IFSC CIUB0000393 the same for all accounts at Bhopal branch?
Yes. The IFSC CIUB0000393 is shared by every account held at City Union Bank Limited's Bhopal branch. Only the account number changes from customer to customer.
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 Bhopal branch but serve different purposes.
How do I add City Union Bank Limited Bhopal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000393, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code CIUB0000393 belongs to City Union Bank Limited's BHOPAL branch, located at 127,M.P.NAGAR,ZONE 2,BHOPAL,BHOPAL in BHOPAL, MADHYA 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.
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