City Union Bank Cityunionbankltd IFSC Code
City Union Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · This branch may not process cheques.
Branch
Cityunionbankltd
District
Hoshiarpur
State
Punjab
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Frequently Asked Questions
About City Union Bank Cityunionbankltd (complex Phagwara Road Opp Ci - 0784), Hoshiarpur
The IFSC code CIUB0000784 (lowercase: ciub0000784) belongs to City Union Bank, specifically the Cityunionbankltd (complex Phagwara Road Opp Ci - 0784) branch located in Hoshiarpur, Punjab.
The 5th character in the IFSC code CIUB0000784 is a zero (0), not the letter 'O'. The correct format is CIUB0000784 (lowercase: ciub0000784), and not CIUBO000784. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of City Union Bank Cityunionbankltd (complex Phagwara Road Opp Ci - 0784) in Hoshiarpur, Punjab is CIUB0000784. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
City Union Bank Cityunionbankltd (complex Phagwara Road Opp Ci - 0784) is located at Gs Complex ,phagwara Road,opp .city Enclave,hoshiarpur, Punjab-146001, Hoshiarpur, Punjab. You can click the "View on Google Maps" button on this page to get directions.
The MICR code for City Union Bank Cityunionbankltd (complex Phagwara Road Opp Ci - 0784) in Hoshiarpur is printed at the bottom of your cheque leaf. If you cannot locate it, contact your branch directly or check your passbook.
Yes. IFSC code CIUB0000784 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code CIUB0000784 by checking: (1) The top-left corner of any City Union Bank Cityunionbankltd (complex Phagwara Road Opp Ci - 0784) cheque leaf, (2) The first page of your City Union Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: CIUB0000784
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
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CIUB0000784
What Each Part Means
- Bank Code — CIUB
- The first 4 characters uniquely identify City Union Bank at the national level. Every branch of City Union Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000784
- The final 6 characters 000784 uniquely identify this specific branch within the City Union Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | CIUB | Identifies City Union Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000784 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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City Union Bank
Cityunionbankltd (complex Phagwara Road Opp Ci - 0784), Hoshiarpur, Punjab
Cheque No.
00000784
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | CIUB0000784 | Not available |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.