IFSC Code of City Union Bank Limited, Bokaro Steel City Branch, Jharkhand

Below are the complete branch details for City Union Bank Limited, BOKARO STEEL CITY branch, located in BOKARO, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is CIUB0000856. 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 CIUB0000856 for City Union Bank Limited – BOKARO STEEL CITY — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, CIUB0000856 is the IFSC of City Union Bank Limited's BOKARO STEEL CITY branch. The format is fixed: CIUB = bank code, 0 = reserved, 000856 = branch identifier.

Branch details at a glance

About the bank

City Union Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bokaro Steel City branch in Bokaro, Jharkhand is part of this network and uses the IFSC code CIUB0000856 for all electronic settlement.

About the Bokaro Steel City branch

The Bokaro Steel City branch of City Union Bank Limited is situated at 138, GROUND FLOOR, TELIDIH MOD, BYE PASS ROAD,CHAS,BOKARO-827013,JHARKHAND. 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 CIUB0000856 is used.

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 BOKARO STEEL CITY of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000856 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 CIUB0000856 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CIUB0000856

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 CIUB0000856 across all three.

NEFT to City Union Bank Limited, BOKARO STEEL CITY using IFSC CIUB0000856

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 CIUB0000856, and confirm that the system picks up City Union Bank Limited – BOKARO STEEL CITY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BOKARO STEEL CITY

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's BOKARO STEEL CITY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000856 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 – BOKARO STEEL CITY, use IMPS. With IFSC CIUB0000856 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bokaro Steel City

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 CIUB0000856:

• 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 BOKARO STEEL CITY is still linked to IFSC CIUB0000856.

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.

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 BOKARO STEEL CITY branch, the IFSC CIUB0000856 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.

Products and account variants supported

Every account opened at the Bokaro Steel City branch is mapped to IFSC CIUB0000856 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 CIUB0000856.

Products and services

Customers walking into the Bokaro Steel City 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 CIUB0000856

MICR & cheque-truncation details

Cheques drawn on the Bokaro Steel City branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000856 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC CIUB0000856

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BOKARO STEEL CITY 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 CIUB0000856 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.

Common mistakes to avoid when using IFSC CIUB0000856

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 – BOKARO STEEL CITY, 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: CIUB0000856.
• 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 Bokaro Steel City branch

The branch is located at 138, GROUND FLOOR, TELIDIH MOD, BYE PASS ROAD,CHAS,BOKARO-827013,JHARKHAND, which puts it inside Bokaro, the broader Bokaro district, and the state of Jharkhand. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Bokaro Steel City branch” — the verified location pin for IFSC CIUB0000856 should appear at the top of the results.
2. Confirm the branch is open by calling 6542-8925989856 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 CIUB0000856 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000856 for City Union Bank Limited – BOKARO STEEL CITY, 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 Bokaro Steel City 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 CIUB0000856 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CIUB0000856 is the IFSC code of City Union Bank Limited, BOKARO STEEL CITY branch, in BOKARO, JHARKHAND. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.