IFSC Code of City Union Bank Limited, Sonipat Branch, Haryana

Below are the complete branch details for City Union Bank Limited, SONIPAT branch, located in SONIPAT, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is CIUB0000857. 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 CIUB0000857 for City Union Bank Limited – SONIPAT — 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 – SONIPAT is CIUB0000857. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000857 map to this branch in SONIPAT, HARYANA.

Branch details at a glance

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 Sonipat branch in Sonipat, Haryana is part of this network and uses the IFSC code CIUB0000857 for all electronic settlement.

Sonipat branch overview

Located at KHEWAT NO.1272, OPPOSITE CIVIL HOSPITAL,DELHI ROAD,SONIPAT-131001,HARYANA, the Sonipat branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000857 is required for all interbank electronic transfers routed through this branch.

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 SONIPAT branch came to be assigned the code CIUB0000857.

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 CIUB0000857, money simply cannot be routed to the SONIPAT branch electronically.

How to transfer money using IFSC CIUB0000857

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 CIUB0000857 across all three.

NEFT to City Union Bank Limited, SONIPAT using IFSC CIUB0000857

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 CIUB0000857, and confirm that the system picks up City Union Bank Limited – SONIPAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SONIPAT

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's SONIPAT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000857 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited SONIPAT (IFSC CIUB0000857)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000857 in your mobile or internet banking app, and the money is credited to the SONIPAT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Sonipat

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 CIUB0000857:

• 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 SONIPAT is still linked to IFSC CIUB0000857.

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 SONIPAT branch, the IFSC CIUB0000857 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.

Account types you can open at the Sonipat branch

Once you have an account at City Union Bank Limited – SONIPAT, the IFSC CIUB0000857 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 Sonipat 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 CIUB0000857

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 CIUB0000857 and the account number together uniquely identify the Sonipat branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Sonipat 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 CIUB0000857 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.

Common mistakes to avoid when using IFSC CIUB0000857

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 – SONIPAT, 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: CIUB0000857.
• 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 Sonipat branch

The branch is located at KHEWAT NO.1272, OPPOSITE CIVIL HOSPITAL,DELHI ROAD,SONIPAT-131001,HARYANA, which puts it inside Sonipat, the broader Sonipat district, and the state of Haryana. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Sonipat branch” — the verified location pin for IFSC CIUB0000857 should appear at the top of the results.
2. Confirm the branch is open by calling 130-8925989857 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 CIUB0000857 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000857 for City Union Bank Limited – SONIPAT, 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 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 Sonipat branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000857, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000857 belongs to City Union Bank Limited's SONIPAT branch, located at KHEWAT NO.1272, OPPOSITE CIVIL HOSPITAL,DELHI ROAD,SONIPAT-131001,HARYANA in SONIPAT, HARYANA. 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.