Citi Bank IFSC Code and MICR Code

Find Citi Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Citi Bank IFSC Code, MICR Code and SWIFT Code

After a year-long lockdown, we now know of the importance of online operations, including banking. Let's assume that you want to send money to someone dependent on you at CitiBank. It can be completed easily - with the help of just the CitiBank IFSC code. 

Can you imagine how difficult this task would become during the lockdown if you were forced to go to the bank every time for banking operations? Plus, in a world where everyone has a fast life and digital living, online banking makes our lives easier. 

You can even make international fund transfers with the help of the SWIFT code. Of course, there are certain payments that require a cheque transfer. For that, the MICR code is needed to quicken the process. Find out more about these codes for CitiBank branches. 

CitiBank IFSC Code

Every branch of every bank in India has an IFSC, i.e., the Indian Financial System Code, to identify the branch. Just like other banks, CitiBank, too, has a unique IFSC for each branch. Each of these codes has 11 characters, and it is used for NEFT, RTGS, and IMPS transfer modes. 

CitiBank IFSC Code

The first four digits stand for the bank code. This code will remain the same for all the branches of the same bank, while the next spot is occupied by 0 as a control character. It will be booked for use in the future. That leaves us with six more characters.      

These characters stand for the branch of the bank. That means they keep changing for every branch. Let's consider two examples, i.e., Kolkata's Chowringhee branch and Bangalore's M. G. Road branch, so that the concept becomes easier to understand.

The CitiBank Kolkata Chowringhee branch IFSC Code is CITI0000001, while that of the MG Road branch is CITI0000004. CITI at the beginning is the bank code, which is the same for both branches. 000001 and 000004 are the branch codes for the two branches.  

CitiBank MICR Code

At times, the only mode of fund transfer available to you is by cheque. If you have issued a CitiBank cheque or have received one, you'll notice that the cheque leaf has a nine-digit code printed on it. This is called the MICR code, which is required for cheque clearance. 

The Magnetic Ink Character Recognition Code is unique for every branch of a bank. A special magnetic reader detects this code on the cheque leaf to track the bank and the branch that has issued the cheque to help the bank of the recipient's account. 

The MICR code eliminates the steps of manual sorting from the process of cheque clearance, making the procedure much more efficient. Unlike the IFSC code, the MICR is not an alphanumeric code; e.g., the MICR code of the New Delhi branch is 110037002.  

CitiBank SWIFT Code

If you want to make a transfer to a CitiBank account from outside the country, you will need the CitiBank SWIFT code. Not every bank has a SWIFT code, but CitiBank does, as it is a member of the Society for Worldwide Interbank Financial Telecommunications. 

SWIFT codes for banks have 8-11 digits. The CitiBank SWIFT code, CITIINBXIBC, has 11 characters. Here, the characters CITI stand for the bank code and IN stand for India's code. The digits BX represent the location Kolkata while the characters IBC signify the branch, Chowringhee. 

How to Find CitiBank IFSC Code, MICR Code & SWIFT Code?

Regardless of what type of fund transfer you want to make, you will need the IFSC code, MICR code, and SWIFT code. But where will you find them? The easiest way to find the code you need is "Find Your Bank." You can also check out bank/government sources. 

How to Find CitiBank IFSC Code, MICR Code & SWIFT Code?

Find Your Bank is a platform that brings all necessary information about a bank, including the banking codes of CitiBank, available in a single place. It has a user-friendly website and phone app you can use for this. 

a) Visit the site/ install the phone app

b) Add the required information like bank name, branch, location, etc.    

There are other ways to find the CitiBank IFSC code, MICR code, and SWIFT code. Let's take a look.    

Finding CitiBank IFSC Code:

To find the CitiBank IFSC code, you can refer to the following sources:


The account holder's passbook has essential details printed on the first page, and this includes the IFSC of the branch. 

Cheque Book 

The leaves of the checkbook have the IFSC printed on the top, along with other information regarding the account.  

Citibank Cheque book


Your net banking platform will give you the IFSC of the recipient's account when you add a new beneficiary for fund transfer. 

RBI Website

The RBI, which assigns IFSC codes to banks, has a database of the codes on its official website, which is open to the public.

CitiBank Customer Care    

You can reach out to the CitiBank customer care team by calling or emailing them or visiting the nearest branch. 

Finding CitiBank MICR Code:

Finding the MICR code for any CitiBank branch is just as easy. You have to refer to the following: 

a) Beneficiary's passbook

b) Account cheque leaf

c) RBI official website

d) CitiBank customer care

Finding CitiBank SWIFT Code:

You don't have to break a sweat to find the SWIFT code. Just check the following:

a) CitiBank website

b) CitiBank customer care

c) Bank account statement 

Find Your Bank makes it convenient to find all these details by maintaining a database of the codes on a single platform.

How to Transfer Money through NEFT, RTGS & IMPS Process of CitiBank?

In this age of digitized banking, you can transfer money to or from a CitiBank account in the blink of an eye. Depending on the amount of money you want to send, you can choose NEFT, RTGS, or IMPS. Let's look at these individually.    

How to Find CitiBank IFSC Code, MICR Code & SWIFT Code?

NEFT (National Electronic Fund Transfer)

a) The transfer settlements take place in batches every half an hour each day. 

b) NEFT transactions at CitiBank are free of service charges. 

c) The upper limits for NEFT at CitiBank are as follows:

i) Working Days (8 am to 7 pm)

● Online: ₹75,00,000 (Private Members); ₹25,00,000 (Regular Members)

● Mobile Banking: ₹25,00,000 (Private Members); ₹15,00,000 (Regular Members) 

ii) Working Days (7 pm to 8 am): ₹3,00,000

d) Sundays and Bank Holidays: ₹3,00,000

RTGS (Real-Time Gross Settlement)

a) Transfer settlements take place in batches 24/7, but transactions between 12 am and 4 am get processed the next day. 

b) RTGS transactions at CitiBank are free of service charges. 

c) RTGS is available for fund transfers worth ₹2,00,000 and above. 

d) The upper limits for RTGS at CitiBank are as follows:

i) Working Days (8 am to 7 pm)

● Online: ₹75,00,000 (Private Members); ₹25,00,000 (Regular Members)

● Mobile Banking: ₹25,00,000 (Private Members); ₹15,00,000 (Regular Members) 

ii) Working Days (7 pm to 8 am): ₹3,00,000

e) Sundays and Bank Holidays: ₹3,00,000 

IMPS (Immediate Payment Service)

a) Transfer settlements take place within a few seconds of initiation every day. 

b) IMPS transactions at CitiBank are free of service charges.

c) The upper limit for IMPS at CitiBank is ₹2,00,000. 

For all these transactions, you need to use the IFSC code of the recipient's bank account and branch. 

About CitiBank

CitiBank, a popular financial institution in India, is actually an international conglomerate. It was established in 1812 and is headquartered in New York. Back in the day, it was known as the City Bank of New York. The bank has 4,600+ branches all around the world.

The accounts you can hold at CitiBank are as follows:

Type of Account Balance
Citibank Savings A/c


Citibank Suvidha Salary A/c NIL
Citibank Savings A/c for Expatriates


Citibank Basic Savings Bank Deposit Account



There are other account types at CitiBank, though the facilities might not be available to everyone at all times. For most accounts, the minimum balance is ₹1,00,000 to ₹2,00,000, and the interest is 2.5% p.a. KYC documents are necessary for these accounts. 


1) What is the Citibank BSR Code?

The Basic Statistical Return code or BSR code helps track a bank's transactions towards tax. It is used by the Income Tax Department. The code is assigned by the RBI to every bank in India, including CitiBank. Branches with BSR codes can collect direct taxes. 

2) What is the information required for transferring funds using CitiBank?

To transfer funds using CitiBank, you will need to provide some basic information, such as the recipient's name, account number, account name and branch location, and IFSC code. You also need to add the amount you want to send, along with the purpose of the transfer.  

3) What occurs when a wrong Citibank IFSC code is used? 

If you use an incorrect CitiBank IFSC code to transfer funds from another bank, the amount will revert to your account. If it doesn't, contact the bank with transaction details. If both accounts are in CitiBank, the bank may settle it internally to credit the amount.