Use this page as a one-stop reference for everything related to City Union Bank Limited's NAVALUR branch in CHENNAI, TAMIL NADU. The branch's IFSC code CIUB0000484 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 – NAVALUR is CIUB0000484. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000484 map to this branch in CHENNAI, TAMIL NADU.
Bank profile
City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Navalur branch — IFSC CIUB0000484 — extends the bank's services to customers in and around Chennai, Tamil Nadu.
About the Navalur branch
The Navalur branch of City Union Bank Limited is situated at DOOR NO.1-192, GANDHI STREET,NAVALUR, CHENNAI 603103. 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 CIUB0000484 is used.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Navalur |
| IFSC Code | CIUB0000484 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO.1-192, GANDHI STREET,NAVALUR, CHENNAI 603103 |
| City | Chennai |
| District | Kancheepuram |
| State | Tamil Nadu |
| STD Code | 0 |
| Phone | 9365859566 |
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 NAVALUR branch came to be assigned the code CIUB0000484.
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 CIUB0000484, money simply cannot be routed to the NAVALUR branch electronically.
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 CIUB0000484 and the account number together uniquely identify the Navalur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CIUB0000484
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 CIUB0000484 across all three.
NEFT to City Union Bank Limited, NAVALUR using IFSC CIUB0000484
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 CIUB0000484, and confirm that the system picks up City Union Bank Limited – NAVALUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to NAVALUR
If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's NAVALUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000484 while initiating the transfer and the credit will appear within minutes.
IMPS to City Union Bank Limited NAVALUR (IFSC CIUB0000484)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000484 in your mobile or internet banking app, and the money is credited to the NAVALUR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CIUB0000484 for City Union Bank Limited – NAVALUR, 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 – CIUB0000484 | Yes – CIUB0000484 | Yes – CIUB0000484 |
For most retail customers crediting the Navalur 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 CIUB0000484
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 – NAVALUR is still mapped to IFSC CIUB0000484. 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 CIUB0000484 and the beneficiary's account number to complete the transfer.
Account types you can open at the Navalur branch
Once you have an account at City Union Bank Limited – NAVALUR, the IFSC CIUB0000484 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 Navalur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9365859566.
- 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 CIUB0000484
Digital banking channels
Most day-to-day work that customers used to do at the Navalur 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 CIUB0000484 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.
How to reach the Navalur branch
The branch is located at DOOR NO.1-192, GANDHI STREET,NAVALUR, CHENNAI 603103, which puts it inside Chennai, the broader Kancheepuram district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Navalur branch” — the verified location pin for IFSC CIUB0000484 should appear at the top of the results.
- Confirm the branch is open by calling 9365859566 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 CIUB0000484 and your account number.
Common mistakes to avoid when using IFSC CIUB0000484
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 – NAVALUR, 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:
CIUB0000484. - 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.
Working hours
Branch counters at Navalur 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 CIUB0000484 continue to work without interruption.
Verifying IFSC CIUB0000484 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 CIUB0000484 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9365859566.
- Visiting the bank's official branch locator page.
Branch address & contact
City Union Bank LimitedNavalur Branch
DOOR NO.1-192, GANDHI STREET,NAVALUR, CHENNAI 603103
Chennai, Tamil Nadu
Phone: 9365859566
IFSC: CIUB0000484
Frequently asked questions
How quickly will an NEFT transfer using CIUB0000484 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Navalur reflect within 30 minutes.
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 Navalur branch but serve different purposes.
What is the phone number of City Union Bank Limited Navalur branch?
You can reach the branch at 9365859566 during regular banking hours.
Where is City Union Bank Limited Navalur branch located?
City Union Bank Limited's Navalur branch is located at DOOR NO.1-192, GANDHI STREET,NAVALUR, CHENNAI 603103, Chennai, Tamil Nadu.
Is IFSC CIUB0000484 the same for all accounts at Navalur branch?
Yes. The IFSC CIUB0000484 is shared by every account held at City Union Bank Limited's Navalur branch. Only the account number changes from customer to customer.
Does City Union Bank Limited Navalur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9365859566 to confirm.
Is IFSC CIUB0000484 valid for NEFT and RTGS?
Yes. IFSC CIUB0000484 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add City Union Bank Limited Navalur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000484, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code CIUB0000484 belongs to City Union Bank Limited's NAVALUR branch, located at DOOR NO.1-192, GANDHI STREET,NAVALUR, CHENNAI 603103 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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