This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, RANCHI branch in JHARKHAND. The 11-digit IFSC CIUB0000794 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 RANCHI 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 – RANCHI is CIUB0000794. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000794 map to this branch in JHARKHAND, JHARKHAND.
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 Ranchi branch in Jharkhand, Jharkhand is part of this network and uses the IFSC code CIUB0000794 for all electronic settlement.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Ranchi |
| IFSC Code | CIUB0000794 |
| MICR Code | Refer to cheque leaf |
| Branch Address | TOPLINK SERENITY, GROUND FLOOR,LINE TANK ROAD,RANCHI,RANCHI |
| City | Jharkhand |
| District | Ranchi |
| State | Jharkhand |
| STD Code | 651 |
| Phone | 8925909794 |
About the Ranchi branch
The Ranchi branch of City Union Bank Limited is situated at TOPLINK SERENITY, GROUND FLOOR,LINE TANK ROAD,RANCHI,RANCHI. 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 CIUB0000794 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 RANCHI of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000794 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 CIUB0000794 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 Ranchi branch
Once you have an account at City Union Bank Limited – RANCHI, the IFSC CIUB0000794 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 Ranchi 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 CIUB0000794
How to transfer money using IFSC CIUB0000794
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 CIUB0000794 across all three.
NEFT to City Union Bank Limited, RANCHI using IFSC CIUB0000794
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 CIUB0000794, and confirm that the system picks up City Union Bank Limited – RANCHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CIUB0000794
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 – RANCHI, ensure your bank's portal accepts IFSC CIUB0000794 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 – RANCHI, use IMPS. With IFSC CIUB0000794 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 CIUB0000794 for City Union Bank Limited – RANCHI, 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 – CIUB0000794 | Yes – CIUB0000794 | Yes – CIUB0000794 |
For most retail customers crediting the Ranchi 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 CIUB0000794
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 – RANCHI is still mapped to IFSC CIUB0000794. 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 CIUB0000794 and the beneficiary's account number to complete the transfer.
Online banking and IFSC CIUB0000794
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RANCHI 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 CIUB0000794 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 CIUB0000794 and the account number together uniquely identify the Ranchi 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 CIUB0000794
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 – RANCHI, 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:
CIUB0000794. - 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 Ranchi branch
The branch is located at TOPLINK SERENITY, GROUND FLOOR,LINE TANK ROAD,RANCHI,RANCHI, which puts it inside Jharkhand, the broader Ranchi district, and the state of Jharkhand. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Ranchi branch” — the verified location pin for IFSC CIUB0000794 should appear at the top of the results.
- Confirm the branch is open by calling 651-8925909794 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 CIUB0000794 and your account number.
Verifying IFSC CIUB0000794 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 CIUB0000794 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 651-8925909794.
- 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 Ranchi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000794, however, work 24x7.
Branch address & contact
City Union Bank LimitedRanchi Branch
TOPLINK SERENITY, GROUND FLOOR,LINE TANK ROAD,RANCHI,RANCHI
Jharkhand, Jharkhand
Phone: 651-8925909794
IFSC: CIUB0000794
Frequently asked questions
Where is City Union Bank Limited Ranchi branch located?
City Union Bank Limited's Ranchi branch is located at TOPLINK SERENITY, GROUND FLOOR,LINE TANK ROAD,RANCHI,RANCHI, Jharkhand, Jharkhand.
How quickly will an NEFT transfer using CIUB0000794 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Ranchi reflect within 30 minutes.
What is the IFSC code of City Union Bank Limited Ranchi branch?
The IFSC code of City Union Bank Limited, Ranchi branch is CIUB0000794. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 Ranchi branch but serve different purposes.
Is IFSC CIUB0000794 valid for NEFT and RTGS?
Yes. IFSC CIUB0000794 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add City Union Bank Limited Ranchi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000794, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code CIUB0000794 belongs to City Union Bank Limited's RANCHI branch, located at TOPLINK SERENITY, GROUND FLOOR,LINE TANK ROAD,RANCHI,RANCHI in JHARKHAND, JHARKHAND. 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.
