IFSC Code of City Union Bank Limited, Srikakulam Branch, Andhra Pradesh

If you are searching for the IFSC code of City Union Bank Limited, SRIKAKULAM branch in SRIKAKULAM, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is CIUB0000156. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SRIKAKULAM branch, and detailed step-by-step guides for using the IFSC CIUB0000156 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, CIUB0000156 is the IFSC of City Union Bank Limited's SRIKAKULAM branch. The format is fixed: CIUB = bank code, 0 = reserved, 000156 = branch identifier.

Branch details at a glance

About City Union Bank Limited

City Union Bank Limited operates a wide network of branches across India, including the Srikakulam branch in Srikakulam. 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, CIUB0000156.

About the Srikakulam branch

The Srikakulam branch of City Union Bank Limited is situated at 9 4 10 7 ROAD JUNCTION. 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 CIUB0000156 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 SRIKAKULAM branch came to be assigned the code CIUB0000156.

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 CIUB0000156, money simply cannot be routed to the SRIKAKULAM branch electronically.

How to transfer money using IFSC CIUB0000156

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 CIUB0000156 across all three.

NEFT to City Union Bank Limited, SRIKAKULAM using IFSC CIUB0000156

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 CIUB0000156, and confirm that the system picks up City Union Bank Limited – SRIKAKULAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SRIKAKULAM

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's SRIKAKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000156 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 – SRIKAKULAM, use IMPS. With IFSC CIUB0000156 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Srikakulam

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 CIUB0000156:

• 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 SRIKAKULAM is still linked to IFSC CIUB0000156.

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 SRIKAKULAM branch, the IFSC CIUB0000156 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 Srikakulam branch

Once you have an account at City Union Bank Limited – SRIKAKULAM, the IFSC CIUB0000156 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.

Banking services available

The Srikakulam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8942-228311.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC CIUB0000156

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 CIUB0000156 and the account number together uniquely identify the Srikakulam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC CIUB0000156

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the SRIKAKULAM 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 CIUB0000156 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.

Common mistakes to avoid when using IFSC CIUB0000156

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 – SRIKAKULAM, 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: CIUB0000156.
• 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 Srikakulam branch

The branch is located at 9 4 10 7 ROAD JUNCTION, which puts it inside Srikakulam, the broader Srikakulam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Srikakulam branch” — the verified location pin for IFSC CIUB0000156 should appear at the top of the results.
2. Confirm the branch is open by calling 8942-228311 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 CIUB0000156 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000156 for City Union Bank Limited – SRIKAKULAM, 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 Srikakulam 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 CIUB0000156 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000156 belongs to City Union Bank Limited's SRIKAKULAM branch, located at 9 4 10 7 ROAD JUNCTION in SRIKAKULAM, ANDHRA PRADESH. 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.