This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, CHENNAI CHOOLAI branch in CHENNAI. The 11-digit IFSC CIUB0000651 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with City Union Bank Limited at the CHENNAI CHOOLAI location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, CIUB0000651 is the IFSC of City Union Bank Limited's CHENNAI CHOOLAI branch. The format is fixed: CIUB = bank code, 0 = reserved, 000651 = branch identifier.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Chennai Choolai |
| IFSC Code | CIUB0000651 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.1,VATHIYAR KANDAPPA STREET,CHOOLAI,CHENNAI |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| Phone | 9025222674 |
About City Union Bank Limited
City Union Bank Limited operates a wide network of branches across India, including the Chennai Choolai branch in Chennai. 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, CIUB0000651.
About the Chennai Choolai branch
The Chennai Choolai branch of City Union Bank Limited is situated at NO.1,VATHIYAR KANDAPPA STREET,CHOOLAI,CHENNAI. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CIUB0000651 is used.
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 CHENNAI CHOOLAI branch came to be assigned the code CIUB0000651.
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 CIUB0000651, money simply cannot be routed to the CHENNAI CHOOLAI branch electronically.
How to transfer money using IFSC CIUB0000651
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 CIUB0000651 across all three.
NEFT to City Union Bank Limited, CHENNAI CHOOLAI using IFSC CIUB0000651
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 CIUB0000651, and confirm that the system picks up City Union Bank Limited – CHENNAI CHOOLAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CIUB0000651
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to City Union Bank Limited – CHENNAI CHOOLAI, ensure your bank's portal accepts IFSC CIUB0000651 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to City Union Bank Limited – CHENNAI CHOOLAI, use IMPS. With IFSC CIUB0000651 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CIUB0000651 for City Union Bank Limited – CHENNAI CHOOLAI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CIUB0000651 | Yes – CIUB0000651 | Yes – CIUB0000651 |
For most retail customers crediting the Chennai Choolai branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
UPI payments and IFSC CIUB0000651
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 – CHENNAI CHOOLAI is still mapped to IFSC CIUB0000651. 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 CIUB0000651 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chennai Choolai branch is mapped to IFSC CIUB0000651 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 CIUB0000651.
Products and services
Customers walking into the Chennai Choolai branch can access most of City Union Bank Limited's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC CIUB0000651
MICR & cheque-truncation details
Cheques drawn on the Chennai Choolai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000651 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 Chennai Choolai 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 CIUB0000651 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.
Common mistakes to avoid when using IFSC CIUB0000651
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to City Union Bank Limited – CHENNAI CHOOLAI, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
CIUB0000651. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Chennai Choolai branch
The branch is located at NO.1,VATHIYAR KANDAPPA STREET,CHOOLAI,CHENNAI, which puts it inside Chennai, the broader Chennai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Chennai Choolai branch” — the verified location pin for IFSC CIUB0000651 should appear at the top of the results.
- Confirm the branch is open by calling 9025222674 before stepping out, especially around public holidays.
- 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 CIUB0000651 and your account number.
Verifying IFSC CIUB0000651 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 CIUB0000651 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9025222674.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chennai Choolai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000651, however, work 24x7.
Branch address & contact
City Union Bank LimitedChennai Choolai Branch
NO.1,VATHIYAR KANDAPPA STREET,CHOOLAI,CHENNAI
Chennai, Tamil Nadu
Phone: 9025222674
IFSC: CIUB0000651
Frequently asked questions
What is the IFSC code of City Union Bank Limited Chennai Choolai branch?
The IFSC code of City Union Bank Limited, Chennai Choolai branch is CIUB0000651. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using CIUB0000651 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Chennai Choolai reflect within 30 minutes.
Is IFSC CIUB0000651 valid for NEFT and RTGS?
Yes. IFSC CIUB0000651 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC CIUB0000651 the same for all accounts at Chennai Choolai branch?
Yes. The IFSC CIUB0000651 is shared by every account held at City Union Bank Limited's Chennai Choolai branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Chennai Choolai branch but serve different purposes.
Can I use IFSC CIUB0000651 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000651 to send funds instantly.
Where is City Union Bank Limited Chennai Choolai branch located?
City Union Bank Limited's Chennai Choolai branch is located at NO.1,VATHIYAR KANDAPPA STREET,CHOOLAI,CHENNAI, Chennai, Tamil Nadu.
How do I add City Union Bank Limited Chennai Choolai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000651, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code CIUB0000651 belongs to City Union Bank Limited's CHENNAI CHOOLAI branch, located at NO.1,VATHIYAR KANDAPPA STREET,CHOOLAI,CHENNAI in CHENNAI, TAMIL NADU. 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.
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