IFSC Code of City Union Bank Limited, Chavakkad Branch, Kerala

Use this page as a one-stop reference for everything related to City Union Bank Limited's CHAVAKKAD branch in CHAVAKKAD, KERALA. The branch's IFSC code CIUB0000095 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for City Union Bank Limited – CHAVAKKAD is CIUB0000095. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000095 map to this branch in CHAVAKKAD, KERALA.

Branch details at a glance

About City Union Bank Limited

City Union Bank Limited operates a wide network of branches across India, including the Chavakkad branch in Chavakkad. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CIUB0000095.

Chavakkad branch overview

Located at 22/748-B, T T COMPLEX, GROUND FLOOR,NORTH BYE PASS ROAD, THRISSUR, the Chavakkad branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000095 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how City Union Bank Limited's CHAVAKKAD branch came to be assigned the code CIUB0000095.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC CIUB0000095, money simply cannot be routed to the CHAVAKKAD branch electronically.

How to transfer money using IFSC CIUB0000095

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC CIUB0000095 across all three.

NEFT to City Union Bank Limited, CHAVAKKAD using IFSC CIUB0000095

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC CIUB0000095, and confirm that the system picks up City Union Bank Limited – CHAVAKKAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CHAVAKKAD

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's CHAVAKKAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000095 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited CHAVAKKAD (IFSC CIUB0000095)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000095 in your mobile or internet banking app, and the money is credited to the CHAVAKKAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chavakkad

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC CIUB0000095:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHAVAKKAD is still linked to IFSC CIUB0000095.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC CIUB0000095

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at City Union Bank Limited – CHAVAKKAD is still mapped to IFSC CIUB0000095. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC CIUB0000095 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Chavakkad branch is mapped to IFSC CIUB0000095 on the RBI payments network. The branch generally supports the full retail product catalogue of City Union Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains CIUB0000095.

Banking services available

The Chavakkad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 487-2507884.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC CIUB0000095

MICR & cheque-truncation details

Cheques drawn on the Chavakkad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000095 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Chavakkad branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CIUB0000095 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to City Union Bank Limited – CHAVAKKAD:

• The IFSC is exactly CIUB0000095 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills City Union Bank Limited as the bank name and CHAVAKKAD as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Chavakkad branch

The branch is located at 22/748-B, T T COMPLEX, GROUND FLOOR,NORTH BYE PASS ROAD, THRISSUR, which puts it inside Chavakkad, the broader Thrissur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Chavakkad branch” — the verified location pin for IFSC CIUB0000095 should appear at the top of the results.
2. Confirm the branch is open by calling 487-2507884 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC CIUB0000095 and your account number.

Verifying IFSC CIUB0000095 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm CIUB0000095 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 487-2507884.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Chavakkad are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to CIUB0000095 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000095 belongs to City Union Bank Limited's CHAVAKKAD branch, located at 22/748-B, T T COMPLEX, GROUND FLOOR,NORTH BYE PASS ROAD, THRISSUR in CHAVAKKAD, KERALA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.