Use this page as a one-stop reference for everything related to City Union Bank Limited's NANGANALLUR CHENNAI branch in CHENNAI, TAMIL NADU. The branch's IFSC code CIUB0000104 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For City Union Bank Limited's NANGANALLUR CHENNAI branch, the IFSC CIUB0000104 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000104 identifies this particular branch.
About the bank
City Union Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Nanganallur Chennai branch in Chennai, Tamil Nadu is part of this network and uses the IFSC code CIUB0000104 for all electronic settlement.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Nanganallur Chennai |
| IFSC Code | CIUB0000104 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SWARNAM COMPLEX,20A. 4TH MAIN ROAD,NANGANALLURCHENNAI600061 |
| City | Chennai |
| District | Chennai |
| State | Tamil Nadu |
| STD Code | 442 |
| Phone | 2243839 |
About the Nanganallur Chennai branch
The Nanganallur Chennai branch of City Union Bank Limited is situated at SWARNAM COMPLEX,20A. 4TH MAIN ROAD,NANGANALLURCHENNAI600061. 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 CIUB0000104 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 NANGANALLUR CHENNAI branch came to be assigned the code CIUB0000104.
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 CIUB0000104, money simply cannot be routed to the NANGANALLUR CHENNAI branch electronically.
Account types you can open at the Nanganallur Chennai branch
Once you have an account at City Union Bank Limited – NANGANALLUR CHENNAI, the IFSC CIUB0000104 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Nanganallur Chennai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 442-2243839.
- 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 CIUB0000104
How to transfer money using IFSC CIUB0000104
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 CIUB0000104 across all three.
NEFT to City Union Bank Limited, NANGANALLUR CHENNAI using IFSC CIUB0000104
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 CIUB0000104, and confirm that the system picks up City Union Bank Limited – NANGANALLUR CHENNAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CIUB0000104
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 – NANGANALLUR CHENNAI, ensure your bank's portal accepts IFSC CIUB0000104 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 – NANGANALLUR CHENNAI, use IMPS. With IFSC CIUB0000104 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 CIUB0000104 for City Union Bank Limited – NANGANALLUR CHENNAI, 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 – CIUB0000104 | Yes – CIUB0000104 | Yes – CIUB0000104 |
For most retail customers crediting the Nanganallur Chennai 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.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at City Union Bank Limited's NANGANALLUR CHENNAI branch, the IFSC CIUB0000104 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Digital banking channels
Most day-to-day work that customers used to do at the Nanganallur Chennai 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 CIUB0000104 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.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by City Union Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CIUB0000104 and the account number together uniquely identify the Nanganallur Chennai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – NANGANALLUR CHENNAI:
- The IFSC is exactly CIUB0000104 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 NANGANALLUR CHENNAI 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 Nanganallur Chennai branch
The branch is located at SWARNAM COMPLEX,20A. 4TH MAIN ROAD,NANGANALLURCHENNAI600061, 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 Nanganallur Chennai branch” — the verified location pin for IFSC CIUB0000104 should appear at the top of the results.
- Confirm the branch is open by calling 442-2243839 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 CIUB0000104 and your account number.
Verifying IFSC CIUB0000104 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 CIUB0000104 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 442-2243839.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Nanganallur Chennai 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 CIUB0000104 continue to work without interruption.
Branch address & contact
City Union Bank LimitedNanganallur Chennai Branch
SWARNAM COMPLEX,20A. 4TH MAIN ROAD,NANGANALLURCHENNAI600061
Chennai, Tamil Nadu
Phone: 442-2243839
IFSC: CIUB0000104
Frequently asked questions
Can I use IFSC CIUB0000104 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000104 to send funds instantly.
How quickly will an NEFT transfer using CIUB0000104 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Nanganallur Chennai reflect within 30 minutes.
Where is City Union Bank Limited Nanganallur Chennai branch located?
City Union Bank Limited's Nanganallur Chennai branch is located at SWARNAM COMPLEX,20A. 4TH MAIN ROAD,NANGANALLURCHENNAI600061, Chennai, Tamil Nadu.
What is the phone number of City Union Bank Limited Nanganallur Chennai branch?
You can reach the branch at 442-2243839 during regular banking hours.
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 Nanganallur Chennai branch but serve different purposes.
Does City Union Bank Limited Nanganallur Chennai branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 442-2243839 to confirm.
How do I add City Union Bank Limited Nanganallur Chennai as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000104, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC CIUB0000104 the same for all accounts at Nanganallur Chennai branch?
Yes. The IFSC CIUB0000104 is shared by every account held at City Union Bank Limited's Nanganallur Chennai branch. Only the account number changes from customer to customer.
Summary
The IFSC code CIUB0000104 belongs to City Union Bank Limited's NANGANALLUR CHENNAI branch, located at SWARNAM COMPLEX,20A. 4TH MAIN ROAD,NANGANALLURCHENNAI600061 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
