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City Union Bank

VISAKAPATNAM BRANCH

+918912575772

IFSC CODE
CIUB0000106
MICR Code 390054002
Branch Code 000106
City / District VISHAKHAPATNAM
State ANDHRA PRADESH
Office Address 248 A, GROUND FLOOR, 47 11 24 2 AND 24 3 , CHILLAPALLI COMPLEX, DWARAKANAGAR 1ST LANE, VISHAKHAPATNAM
Phone +918912575772
📍 View Branch on Google Maps

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Understanding IFSC Code: The Digital DNA of City Union Bank

When performing any digital transaction in India, the Indian Financial System Code (IFSC) acts as a critical identifier. For the VISAKAPATNAM branch of City Union Bank, the code CIUB0000106 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 CIUB0000106 Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"CIUB" represents City Union Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for VISAKAPATNAM

Payment Systems Supported by CIUB0000106

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—390054002—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 City Union Bank in VISHAKHAPATNAM typically follows the RBI holiday calendar. Digital transfers via CIUB0000106 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 CIUB0000106 is the valid code for VISAKAPATNAM at VISHAKHAPATNAM, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

Related Searches

  • • City Union Bank Branch List
  • • VISHAKHAPATNAM IFSC Codes
  • • Swift Code for City Union Bank
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Financial Tools

  • • GST Calculator Online
  • • Personal Loan EMI Calc
  • • FD Interest Rates 2026
  • • Currency Converter

Branch Context

  • • VISAKAPATNAM Contact
  • • Address of City Union Bank
  • • MICR Code Finder
  • • ANDHRA PRADESH Banking Circle

Platform Links

  • • Anand Design DevBox
  • • SEO Performance Hub
  • • Webmaster Tools
  • • IFSC Finder v2.0

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