IFSC Code of City Union Bank Limited, Ahmadabad-Raipur Branch, Gujarat

Below are the complete branch details for City Union Bank Limited, AHMADABAD-RAIPUR branch, located in RAIPUR, GUJARAT. The IFSC assigned by the Reserve Bank of India to this branch is CIUB0000499. 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 CIUB0000499 for City Union Bank Limited – AHMADABAD-RAIPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – AHMADABAD-RAIPUR is CIUB0000499. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000499 map to this branch in RAIPUR, GUJARAT.

About City Union Bank Limited

City Union Bank Limited operates a wide network of branches across India, including the Ahmadabad-Raipur branch in Raipur. 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, CIUB0000499.

Branch details at a glance

About the Ahmadabad-Raipur branch

The Ahmadabad-Raipur branch of City Union Bank Limited is situated at GROUND FLOOR,SHIVAM ARCADE,NEAR SAFAL-3,D BLOCK,BEHND MAHIPATRAM ASRAM,RAIPUR,AHMADABAD-380 022. 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 CIUB0000499 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 AHMADABAD-RAIPUR branch came to be assigned the code CIUB0000499.

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 CIUB0000499, money simply cannot be routed to the AHMADABAD-RAIPUR branch electronically.

Account types you can open at the Ahmadabad-Raipur branch

Once you have an account at City Union Bank Limited – AHMADABAD-RAIPUR, the IFSC CIUB0000499 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 Ahmadabad-Raipur 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 CIUB0000499

How to transfer money using IFSC CIUB0000499

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 CIUB0000499 across all three.

NEFT to City Union Bank Limited, AHMADABAD-RAIPUR using IFSC CIUB0000499

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 CIUB0000499, and confirm that the system picks up City Union Bank Limited – AHMADABAD-RAIPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AHMADABAD-RAIPUR

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's AHMADABAD-RAIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000499 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited AHMADABAD-RAIPUR (IFSC CIUB0000499)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000499 in your mobile or internet banking app, and the money is credited to the AHMADABAD-RAIPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ahmadabad-Raipur

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 CIUB0000499:

• 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 AHMADABAD-RAIPUR is still linked to IFSC CIUB0000499.

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 CIUB0000499

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 – AHMADABAD-RAIPUR is still mapped to IFSC CIUB0000499. 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 CIUB0000499 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CIUB0000499

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the AHMADABAD-RAIPUR 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 CIUB0000499 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 & cheque-truncation details

Cheques drawn on the Ahmadabad-Raipur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000499 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – AHMADABAD-RAIPUR:

• The IFSC is exactly CIUB0000499 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 AHMADABAD-RAIPUR 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.

How to reach the Ahmadabad-Raipur branch

The branch is located at GROUND FLOOR,SHIVAM ARCADE,NEAR SAFAL-3,D BLOCK,BEHND MAHIPATRAM ASRAM,RAIPUR,AHMADABAD-380 022, which puts it inside Raipur, the broader Ahmadabad district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Ahmadabad-Raipur branch” — the verified location pin for IFSC CIUB0000499 should appear at the top of the results.
2. Confirm the branch is open by calling 9374674453 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 CIUB0000499 and your account number.

Verifying IFSC CIUB0000499 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 CIUB0000499 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9374674453.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ahmadabad-Raipur 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 CIUB0000499 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000499 belongs to City Union Bank Limited's AHMADABAD-RAIPUR branch, located at GROUND FLOOR,SHIVAM ARCADE,NEAR SAFAL-3,D BLOCK,BEHND MAHIPATRAM… in RAIPUR, GUJARAT. 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.