Home / City Union Bank / PANAJI
Ci

City Union Bank

PANAJI BRANCH

+918925989891

IFSC CODE
CIUB0000891
MICR Code
Branch Code 000891
City / District PANJIM
State GOA
Office Address SHOP NO.3,CITI CENTRE BUILDING,NEAR SESA GHOR,PATTO PLAZA,PANJIM-403001,NORTH GOA DISTRICT
Phone +918925989891
📍 View Branch on Google Maps

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 PANAJI branch of City Union Bank, the code CIUB0000891 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 CIUB0000891 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 PANAJI

Payment Systems Supported by CIUB0000891

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——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 PANJIM typically follows the RBI holiday calendar. Digital transfers via CIUB0000891 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 CIUB0000891 is the valid code for PANAJI at PANJIM, 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
  • • PANJIM IFSC Codes
  • • Swift Code for City Union Bank
  • • Bank Holiday in GOA

Financial Tools

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

Branch Context

  • • PANAJI Contact
  • • Address of City Union Bank
  • • MICR Code Finder
  • • GOA Banking Circle

Platform Links

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

INDEXING TAGS: City Union Bank CIUB0000891 code, find PANAJI branch details, City Union Bank PANJIM contact number, GOA bank ifsc list, anand design banking suite, ifsc finder 2026, free bank branch locator, micr code for City Union Bank PANJIM, online neft rtgs imps guide india, how to find ifsc code of City Union Bank.