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Last updated on: August 6, 2025

Quick Summary

A Citi Bank IFSC code is a unique 11-character alphanumeric identifier assigned to each Citi Bank branch in India, enabling secure and accurate electronic fund transfers through NEFT, RTGS, and IMPS systems. The IFSC code stands for Indian Financial System Code, where the first four characters (‘CITI’) represent Citi Bank, the fifth character is always ‘0’ (reserved for future use), and the last six digits specify the individual branch. You can easily find the Citi Bank IFSC code on your bank cheque, account statement, or the official Citi Bank website, as well as through RBI’s online directory. Knowing the correct IFSC code is essential for fast, error-free online transactions, so always double-check before initiating payments or money transfers.

Citi Bank IFSC Code: The Definitive Guide for 2025

If you make online payments or transfer money in India, you’ve probably come across the term Citi Bank IFSC Code. For many in 2025, understanding these codes has become essential as digital banking soars to new heights. Whether you’re looking to send funds to a friend, pay for shopping on an online marketplace, or receive a salary, having the right IFSC code is vital to ensure your transaction is quick and secure.

This guide breaks down everything you need to know about Citi Bank IFSC codes—what they are, how to find them, and how to use them the right way in day-to-day banking. With real-life scenarios and up-to-date insights, this article answers all your questions, helping you navigate internet and mobile banking with complete confidence.


What Is a Citi Bank IFSC Code?

An IFSC code (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies every branch of a bank in India that participates in NEFT, RTGS, and IMPS transactions. Think of it as the ‘postal address’ for a bank branch, but for digital money transfers.

Citi Bank, one of India’s leading international banks, has its own unique IFSC codes for each of its branches across various cities. Using the correct Citi Bank IFSC code ensures your money reaches the right account without delay or error.


Why Do You Need Citi Bank IFSC Code in 2025?

With the rise in UPI, IMPS, NEFT, and RTGS payments in 2025, most people make digital transactions daily. Knowing your IFSC code is crucial for:

  • Domestic wire transfers: Sending/receiving money between different banks within India.
  • Online marketplaces: Receiving payments from platforms like Amazon, Flipkart, or freelance gigs.
  • Bill payments: Ensuring auto-debits and standing instructions are routed to the exact branch.
  • Salary and supplier payments: For businesses, accurate banking details remove payment hassles.

A single incorrect character in the IFSC can cause failed transactions or, worse, money getting stuck. That’s why understanding Citi Bank’s IFSC system is a must for smooth finances.


How Is a Citi Bank IFSC Code Structured?

Each Citi Bank IFSC code contains 11 characters with a standard format mandated by the Reserve Bank of India (RBI):

  • First 4 characters: The bank’s code—always ‘CITI’
  • Fifth character: Always ‘0’, reserved for future use
  • Last 6 characters: A unique code for the specific branch

Example IFSC Code Structure

Code PartExampleMeaning
First 4 LettersCITIIdentifies Citi Bank
Fifth Character0Reserved (as per RBI)
Last 6000002Unique to Mumbai Branch

So, CITI0000002 would be the IFSC code for Citi Bank’s Mumbai main branch.


How Can You Find Your Citi Bank IFSC Code?

Where to Look for a Citi Bank IFSC Code?

Finding your Citi Bank branch’s IFSC code is straightforward. Here are the best ways to find it:

  1. Bank Passbook or Chequebook:
    Citi Bank prints the IFSC code on the first page of their passbooks and at the top of their cheque leaves.

  2. Account Statement:
    Your monthly or quarterly bank statement (digital or hard copy) usually displays the associated IFSC code.

  3. Citi Bank Website:
    Go to Citi Bank India’s Branch Locator. Locate your branch and check the IFSC.

  4. RBI IFSC Directory:
    The Reserve Bank of India maintains a current branch-wise IFSC directory.

  5. Online Marketplaces and Payment Platforms:
    When adding a Citi Bank account for payout on Amazon, Paytm, or Flipkart Seller Platform, you’ll see drop-down branch lists with IFSC codes.

  6. Customer Care:
    Citi Bank’s customer service lines can confirm the IFSC for any branch if needed.

Is the IFSC Different for Each Branch?

Yes. Each physical branch of Citi Bank has a unique IFSC code. If you’re sending money to another Citi Bank account in a different city (say, Bengaluru vs Delhi), using the correct branch’s IFSC code ensures the payment is routed right.


Citi Bank IFSC Code Table for Major Indian Cities (2025)

Here’s a handy reference of the latest Citi Bank IFSC codes for key branches across India:

CityBranch LocationIFSC Code
MumbaiFort, MumbaiCITI0000002
DelhiConnaught PlaceCITI0000003
BengaluruM G RoadCITI0000004
ChennaiAnna SalaiCITI0000005
HyderabadRoad No. 10 Banjara HillsCITI0000023
KolkataPark StreetCITI0000006
PuneBund Garden RoadCITI0000007
AhmedabadC G RoadCITI0000021
GurgaonDLF City Phase IICITI0000016
NoidaSector 18CITI0000024

Note: Always double-check with Citi Bank or official listings, as branch codes do get updated or changed during mergers or relocations.


How to Use Citi Bank IFSC Code for Online Transfers

What’s the Process for Sending Money to Citi Bank via IFSC?

Whether you’re paying from HDFC, ICICI, SBI, or even another Citi Bank account, you’ll need the recipient’s:

  • Account number
  • IFSC code
  • Name (as registered with the bank)

Steps for NEFT/RTGS/IMPS:

  1. Log in to your netbanking or mobile banking app.
  2. Select ‘Add New Beneficiary’ or ‘Payee’.
  3. Enter Name, Account Number, and Citi Bank IFSC code.
  4. Once verified (may take a few hours), choose to transfer via NEFT, RTGS, or IMPS.
  5. Review details. Enter the amount and purpose.
  6. Confirm and send. Funds usually reflect instantly (IMPS) or within a few hours (NEFT/RTGS).

Are UPI Transfers Linked to IFSC Code?

For regular UPI payments using phone numbers or UPI IDs, you don’t need the IFSC. But if you’re using the ‘Account number + IFSC’ option on Google Pay, PhonePe, or Paytm, you’ll require the full IFSC code.


Common Mistakes to Avoid When Using Citi Bank IFSC Code

Having helped many friends and clients with online payments, here’s what I’ve learned:

  • Double-check the code: Typos can cause failed or misrouted payments.
  • Don’t reuse IFSC from another city: Each branch’s IFSC is unique. Don’t use a Delhi IFSC for a Mumbai account.
  • Keep updated: Citi Bank does upgrade systems or merge branches. If you get a new chequebook, recheck your IFSC.
  • Avoid scam sites: Only trust official banking sources or RBI, not third-party unauthorised directories.
  • Don’t share over unsecured networks: IFSC is fine to share, but combine it only with other details on verified portals.

When Do Citi Bank IFSC Codes Change?

Has Citi Bank’s IFSC Code Format Changed Recently?

The IFSC code format—first 4 letters, a zero, then 6 unique digits—has not changed for Citi Bank in 2025. However, codes can change in rare situations:

  • When branches relocate or merge
  • During system upgrades mandated by RBI or internal restructuring

If this happens, Citi Bank notifies all customers by SMS, email, and on their website.

What If I Use an Outdated IFSC Code?

If you use an old or incorrect Citi Bank IFSC code:

  • The transaction will usually fail, and the amount returns to your account.
  • In rare cases, there could be delays, so always use the latest details.

How Is Citi Bank IFSC Relevant for Online Marketplaces and Freelancers?

Can You Receive Payouts Without an IFSC Code?

No. Online marketplaces such as Amazon, Flipkart, or Upwork in India will require the correct Citi Bank IFSC for payout registrations and direct deposits.

Use Case:
If you freelance for international clients via Upwork, add your Citi Bank account with the correct IFSC to receive SWIFT and domestic INR payments without delay.

How Do Online Marketplaces Verify Your IFSC Code?

Platforms do background verification of Indian bank accounts using the Reserve Bank’s database, which ensures your Citi Bank IFSC and account combination is valid and corresponds to the correct branch.


Citi Bank IFSC Code and MICR Code: What’s the Difference?

Many users confuse IFSC and MICR numbers.

  • IFSC Code: Used for all types of electronic funds transfers.
  • MICR Code: A 9-digit code found on cheques, mainly for processing physical cheque instruments through magnetic ink readers.

In short:
Use the IFSC for digital payments, and MICR for cheque clearance.


Real-Life Experience: Why Using the Correct Citi Bank IFSC Matters

When my uncle wanted to pay my Citi Bank credit card bill online from his SBI account, he accidentally used an old IFSC code. The money took three extra days to return, causing him stress and a late fee until the payment re-posted.

The lesson? Always use the latest IFSC from the official bank website or your own account statement—it can save you needless time and trouble.


Frequently Used Citi Bank IFSC Codes (2025 Reference Table)

Branch NameCityIFSC Code
Fort BranchMumbaiCITI0000002
Connaught PlaceDelhiCITI0000003
MG RoadBengaluruCITI0000004
Anna SalaiChennaiCITI0000005
Park StreetKolkataCITI0000006

For other branches or updates, always refer to Citi Bank’s official branch locator or your local bank contact.


TLDR / Quick Recap: Citi Bank IFSC Code Facts

  • Each Citi Bank branch has a unique 11-character IFSC code (format: CITI0XXXXXX).
  • You need the correct IFSC for NEFT, RTGS, and IMPS fund transfers, and for payouts on online marketplaces.
  • Find your branch’s IFSC on passbooks, chequebooks, the Citi Bank site, or RBI’s database.
  • The IFSC code is different from the MICR code (which is only for cheques).
  • Always double-check before every transaction, especially if you changed branches or chequebooks.
  • Using an outdated or incorrect IFSC may delay or block your payment.

People Also Ask: Citi Bank IFSC Code FAQs

Q1: Can I use one Citi Bank IFSC code for all branches?
No. Each branch has its own IFSC code. Use the branch-specific code for the best results.

Q2: Where is the IFSC code located in my chequebook?
Usually, it’s printed at the top of every cheque leaf and the first page of your passbook.

Q3: Do I need the IFSC code for UPI transfers?
Not for standard UPI ID/payments, but yes if you choose ‘Account + IFSC’ transfer mode.

Q4: Is Citi Bank IFSC code required for international SWIFT transfers?
SWIFT and IFSC are different. For inward remittance, use your SWIFT code and the IFSC for Indian bank linkage.

Q5: What if my transaction fails due to the wrong IFSC code?
Funds usually return to your account automatically. Contact your bank if the refund is delayed.

For any doubts or updates about your Citi Bank IFSC code, always check the official Citi Bank website or contact customer service.


With accurate, updated knowledge of Citi Bank IFSC codes, you can make smoother, safer online transactions in 2025!

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