IFSC Code of City Union Bank Limited, Thirunindravur Branch, Tamil Nadu

Below are the complete branch details for City Union Bank Limited, THIRUNINDRAVUR branch, located in CHENNAI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is CIUB0000399. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CIUB0000399 for City Union Bank Limited – THIRUNINDRAVUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, CIUB0000399 is the IFSC of City Union Bank Limited's THIRUNINDRAVUR branch. The format is fixed: CIUB = bank code, 0 = reserved, 000399 = branch identifier.

About City Union Bank Limited

City Union Bank Limited operates a wide network of branches across India, including the Thirunindravur 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, CIUB0000399.

About this branch

The branch is located at PLOT NO.2,C.T.H.ROAD,THIRUNINDRAVUR,CHENNAI 602 024 THIRUVALLUR DIST. It serves the Chennai region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of City Union Bank Limited. The IFSC CIUB0000399 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every City Union Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including THIRUNINDRAVUR of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000399 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC CIUB0000399 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Thirunindravur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000399 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC CIUB0000399

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 CIUB0000399 across all three.

How to use IFSC CIUB0000399 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's THIRUNINDRAVUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CIUB0000399.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as THIRUNINDRAVUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CIUB0000399

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 – THIRUNINDRAVUR, ensure your bank's portal accepts IFSC CIUB0000399 while registering the beneficiary. RTGS is also available 24x7.

IMPS to City Union Bank Limited THIRUNINDRAVUR (IFSC CIUB0000399)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000399 in your mobile or internet banking app, and the money is credited to the THIRUNINDRAVUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CIUB0000399 for City Union Bank Limited – THIRUNINDRAVUR, 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.

For most retail customers crediting the Thirunindravur 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 THIRUNINDRAVUR branch, the IFSC CIUB0000399 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.

Products and account variants supported

Every account opened at the Thirunindravur branch is mapped to IFSC CIUB0000399 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 CIUB0000399.

Products and services

Customers walking into the Thirunindravur 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 CIUB0000399

Online banking and IFSC CIUB0000399

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THIRUNINDRAVUR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC CIUB0000399 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

How to reach the Thirunindravur branch

The branch is located at PLOT NO.2,C.T.H.ROAD,THIRUNINDRAVUR,CHENNAI 602 024 THIRUVALLUR DIST, which puts it inside Chennai, the broader Thiruvallur district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Thirunindravur branch” — the verified location pin for IFSC CIUB0000399 should appear at the top of the results.
2. Confirm the branch is open by calling 9360742626 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 CIUB0000399 and your account number.

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 – THIRUNINDRAVUR:

• The IFSC is exactly CIUB0000399 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 THIRUNINDRAVUR 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.

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 Thirunindravur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000399, however, work 24x7.

Verifying IFSC CIUB0000399 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 CIUB0000399 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9360742626.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000399 belongs to City Union Bank Limited's THIRUNINDRAVUR branch, located at PLOT NO.2,C.T.H.ROAD,THIRUNINDRAVUR,CHENNAI 602 024 THIRUVALLUR DIST 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.