CITI Bank
CHENNAI BRANCH
+914428460014
Understanding IFSC Code: The Digital DNA of CITI Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the CHENNAI
branch of CITI Bank, the code CITI0000003 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the CITI0000003 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"CITI" represents CITI Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for CHENNAI
Payment Systems Supported by CITI0000003
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—600037002—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The CITI Bank in CHENNAI typically follows the RBI holiday calendar. Digital transfers via CITI0000003 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While CITI0000003 is the valid code for CHENNAI at CHENNAI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • CITI Bank Branch List
- • CHENNAI IFSC Codes
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Financial Tools
- • GST Calculator Online
- • Personal Loan EMI Calc
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Branch Context
- • CHENNAI Contact
- • Address of CITI Bank
- • MICR Code Finder
- • TAMIL NADU Banking Circle
Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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