Use this page as a one-stop reference for everything related to City Union Bank Limited's RAMANAGARA BANGALORE branch in RAMANAGARA, KARNATAKA. The branch's IFSC code CIUB0000198 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.
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, CIUB0000198 is the IFSC of City Union Bank Limited's RAMANAGARA BANGALORE branch. The format is fixed: CIUB = bank code, 0 = reserved, 000198 = branch identifier.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Ramanagara Bangalore |
| IFSC Code | CIUB0000198 |
| MICR Code | Refer to cheque leaf |
| Branch Address | BMROAD,316,IJOOR I STAGE,NEAR BUS STAND,BANGALORE MYSORE MAIN ROAD,RAMANAGARAKARNATAKA 571511 |
| City | Ramanagara |
| District | Bengaluru Rural |
| State | Karnataka |
| STD Code | 80 |
| Phone | 27276688 |
About City Union Bank Limited
City Union Bank Limited operates a wide network of branches across India, including the Ramanagara Bangalore branch in Ramanagara. 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, CIUB0000198.
About this branch
The branch is located at BMROAD,316,IJOOR I STAGE,NEAR BUS STAND,BANGALORE MYSORE MAIN ROAD,RAMANAGARAKARNATAKA 571511. It serves the Ramanagara 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 CIUB0000198 is used to identify this branch on the RBI payments network.
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 RAMANAGARA BANGALORE branch came to be assigned the code CIUB0000198.
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 CIUB0000198, money simply cannot be routed to the RAMANAGARA BANGALORE branch electronically.
How to transfer money using IFSC CIUB0000198
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 CIUB0000198 across all three.
NEFT to City Union Bank Limited, RAMANAGARA BANGALORE using IFSC CIUB0000198
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 CIUB0000198, and confirm that the system picks up City Union Bank Limited – RAMANAGARA BANGALORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAMANAGARA BANGALORE
If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's RAMANAGARA BANGALORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000198 while initiating the transfer and the credit will appear within minutes.
IMPS to City Union Bank Limited RAMANAGARA BANGALORE (IFSC CIUB0000198)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000198 in your mobile or internet banking app, and the money is credited to the RAMANAGARA BANGALORE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CIUB0000198 for City Union Bank Limited – RAMANAGARA BANGALORE, 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 – CIUB0000198 | Yes – CIUB0000198 | Yes – CIUB0000198 |
For most retail customers crediting the Ramanagara Bangalore 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 CIUB0000198
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 – RAMANAGARA BANGALORE is still mapped to IFSC CIUB0000198. 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 CIUB0000198 and the beneficiary's account number to complete the transfer.
Account types you can open at the Ramanagara Bangalore branch
Once you have an account at City Union Bank Limited – RAMANAGARA BANGALORE, the IFSC CIUB0000198 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 Ramanagara Bangalore 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 CIUB0000198
MICR & cheque-truncation details
Cheques drawn on the Ramanagara Bangalore branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000198 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC CIUB0000198
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the RAMANAGARA BANGALORE 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 CIUB0000198 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.
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 – RAMANAGARA BANGALORE:
- The IFSC is exactly CIUB0000198 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 RAMANAGARA BANGALORE 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.
Reaching the branch
The Ramanagara Bangalore branch sits at BMROAD,316,IJOOR I STAGE,NEAR BUS STAND,BANGALORE MYSORE MAIN ROAD,RAMANAGARAKARNATAKA 571511. If you are travelling from outside Ramanagara, search for the branch on a maps application using the bank name and locality, or call 80-27276688 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC CIUB0000198 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CIUB0000198 for City Union Bank Limited – RAMANAGARA BANGALORE, 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 Ramanagara Bangalore 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 CIUB0000198 continue to work without interruption.
Branch address & contact
City Union Bank LimitedRamanagara Bangalore Branch
BMROAD,316,IJOOR I STAGE,NEAR BUS STAND,BANGALORE MYSORE MAIN ROAD,RAMANAGARAKARNATAKA 571511
Ramanagara, Karnataka
Phone: 80-27276688
IFSC: CIUB0000198
Frequently asked questions
Is IFSC CIUB0000198 the same for all accounts at Ramanagara Bangalore branch?
Yes. The IFSC CIUB0000198 is shared by every account held at City Union Bank Limited's Ramanagara Bangalore branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CIUB0000198 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Ramanagara Bangalore reflect within 30 minutes.
What is the IFSC code of City Union Bank Limited Ramanagara Bangalore branch?
The IFSC code of City Union Bank Limited, Ramanagara Bangalore branch is CIUB0000198. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of City Union Bank Limited Ramanagara Bangalore branch?
You can reach the branch at 80-27276688 during regular banking hours.
Can I use IFSC CIUB0000198 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000198 to send funds instantly.
Where is City Union Bank Limited Ramanagara Bangalore branch located?
City Union Bank Limited's Ramanagara Bangalore branch is located at BMROAD,316,IJOOR I STAGE,NEAR BUS STAND,BANGALORE MYSORE MAIN ROAD,RAMANAGARAKARNATAKA 571511, Ramanagara, Karnataka.
How do I add City Union Bank Limited Ramanagara Bangalore as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000198, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC CIUB0000198 valid for NEFT and RTGS?
Yes. IFSC CIUB0000198 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code CIUB0000198 belongs to City Union Bank Limited's RAMANAGARA BANGALORE branch, located at BMROAD,316,IJOOR I STAGE,NEAR BUS STAND,BANGALORE MYSORE MAIN… in RAMANAGARA, KARNATAKA. 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.
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