IFSC Code of City Union Bank Limited, Gangavathi Branch, Karnataka

If you are searching for the IFSC code of City Union Bank Limited, GANGAVATHI branch in GANGAVATHI, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is CIUB0000843. 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 GANGAVATHI branch, and detailed step-by-step guides for using the IFSC CIUB0000843 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.

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 GANGAVATHI branch, the IFSC CIUB0000843 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000843 identifies this particular branch.

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 Gangavathi branch in Gangavathi, Karnataka is part of this network and uses the IFSC code CIUB0000843 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at SS SINGANAL COMPLEX, RAICHUR KOPPAL MAIN ROAD,NEAR RANA PRATAP CIRCLE, OPP. RELIANCE SMART BAZAR,GANGAVATHI-583227. It serves the Gangavathi 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 CIUB0000843 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 GANGAVATHI of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000843 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 CIUB0000843 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Gangavathi branch

Once you have an account at City Union Bank Limited – GANGAVATHI, the IFSC CIUB0000843 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.

Products and services

Customers walking into the Gangavathi 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 CIUB0000843

How to transfer money using IFSC CIUB0000843

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 CIUB0000843 across all three.

NEFT to City Union Bank Limited, GANGAVATHI using IFSC CIUB0000843

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 CIUB0000843, and confirm that the system picks up City Union Bank Limited – GANGAVATHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GANGAVATHI

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's GANGAVATHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000843 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited GANGAVATHI (IFSC CIUB0000843)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000843 in your mobile or internet banking app, and the money is credited to the GANGAVATHI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Gangavathi

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 CIUB0000843:

• 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 GANGAVATHI is still linked to IFSC CIUB0000843.

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 GANGAVATHI branch, the IFSC CIUB0000843 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.

Digital banking channels

Most day-to-day work that customers used to do at the Gangavathi branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CIUB0000843 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Gangavathi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000843 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 CIUB0000843

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 – GANGAVATHI, 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: CIUB0000843.
• 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 Gangavathi branch

The branch is located at SS SINGANAL COMPLEX, RAICHUR KOPPAL MAIN ROAD,NEAR RANA PRATAP CIRCLE, OPP. RELIANCE SMART BAZAR,GANGAVATHI-583227, which puts it inside Gangavathi, the broader Gangavathi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Gangavathi branch” — the verified location pin for IFSC CIUB0000843 should appear at the top of the results.
2. Confirm the branch is open by calling 8533-8925883843 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 CIUB0000843 and your account number.

Verifying IFSC CIUB0000843 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 CIUB0000843 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8533-8925883843.
• 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 Gangavathi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000843, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CIUB0000843 is the IFSC code of City Union Bank Limited, GANGAVATHI branch, in GANGAVATHI, KARNATAKA. 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.