IFSC Code of City Union Bank Limited, Cityunionbank Limited Branch, Punjab

Use this page as a one-stop reference for everything related to City Union Bank Limited's CITYUNIONBANK LIMITED branch in PATIALA, PUNJAB. The branch's IFSC code CIUB0000780 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – CITYUNIONBANK LIMITED is CIUB0000780. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000780 map to this branch in PATIALA, PUNJAB.

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 Cityunionbank Limited branch in Patiala, Punjab is part of this network and uses the IFSC code CIUB0000780 for all electronic settlement.

Cityunionbank Limited branch overview

Located at SCO 126,CHOTTI BARADARI,PATIALA, the Cityunionbank Limited branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000780 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 CITYUNIONBANK LIMITED of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000780 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 CIUB0000780 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Cityunionbank Limited branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000780 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC CIUB0000780

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 CIUB0000780 across all three.

How to use IFSC CIUB0000780 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's CITYUNIONBANK LIMITED 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CIUB0000780.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as CITYUNIONBANK LIMITED.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CITYUNIONBANK LIMITED

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's CITYUNIONBANK LIMITED branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000780 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 – CITYUNIONBANK LIMITED, use IMPS. With IFSC CIUB0000780 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 CIUB0000780 for City Union Bank Limited – CITYUNIONBANK LIMITED, 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 Cityunionbank Limited 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 CIUB0000780

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 – CITYUNIONBANK LIMITED is still mapped to IFSC CIUB0000780. 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 CIUB0000780 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Cityunionbank Limited branch is mapped to IFSC CIUB0000780 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 CIUB0000780.

Products and services

Customers walking into the Cityunionbank Limited 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 CIUB0000780

Digital banking channels

Most day-to-day work that customers used to do at the Cityunionbank Limited 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 CIUB0000780 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.

How to reach the Cityunionbank Limited branch

The branch is located at SCO 126,CHOTTI BARADARI,PATIALA, which puts it inside Patiala, the broader Patiala district, and the state of Punjab. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Cityunionbank Limited branch” — the verified location pin for IFSC CIUB0000780 should appear at the top of the results.
2. Confirm the branch is open by calling 175-8925909780 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 CIUB0000780 and your account number.

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 – CITYUNIONBANK LIMITED:

• The IFSC is exactly CIUB0000780 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 CITYUNIONBANK LIMITED 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.

Working hours

Branch counters at Cityunionbank Limited 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 CIUB0000780 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000780 for City Union Bank Limited – CITYUNIONBANK LIMITED, 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 address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000780 belongs to City Union Bank Limited's CITYUNIONBANK LIMITED branch, located at SCO 126,CHOTTI BARADARI,PATIALA in PATIALA, PUNJAB. 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.