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

If you are searching for the IFSC code of City Union Bank Limited, VADALUR branch in CUDDALORE, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is CIUB0000481. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the VADALUR branch, and detailed step-by-step guides for using the IFSC CIUB0000481 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 VADALUR branch, the IFSC CIUB0000481 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000481 identifies this particular branch.

Branch details at a glance

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 Vadalur branch in Cuddalore, Tamil Nadu is part of this network and uses the IFSC code CIUB0000481 for all electronic settlement.

Vadalur branch overview

Located at R.S.NO.171-1A-1A, KUMBAKONAM ROAD,VADALUR, CUDDALORE, the Vadalur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000481 is required for all interbank electronic transfers routed through this branch.

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 VADALUR of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000481 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 CIUB0000481 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CIUB0000481

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 CIUB0000481 across all three.

NEFT to City Union Bank Limited, VADALUR using IFSC CIUB0000481

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 CIUB0000481, and confirm that the system picks up City Union Bank Limited – VADALUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VADALUR

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's VADALUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000481 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited VADALUR (IFSC CIUB0000481)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000481 in your mobile or internet banking app, and the money is credited to the VADALUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vadalur

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 CIUB0000481:

• 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 VADALUR is still linked to IFSC CIUB0000481.

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 CIUB0000481

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 – VADALUR is still mapped to IFSC CIUB0000481. 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 CIUB0000481 and the beneficiary's account number to complete the transfer.

Account types you can open at the Vadalur branch

Once you have an account at City Union Bank Limited – VADALUR, the IFSC CIUB0000481 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 Vadalur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9345740244.

• 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 CIUB0000481

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 CIUB0000481 and the account number together uniquely identify the Vadalur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Vadalur 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 CIUB0000481 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 – VADALUR:

• The IFSC is exactly CIUB0000481 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 VADALUR 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 Vadalur branch

The branch is located at R.S.NO.171-1A-1A, KUMBAKONAM ROAD,VADALUR, CUDDALORE, which puts it inside Cuddalore, the broader Cuddalore 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 Vadalur branch” — the verified location pin for IFSC CIUB0000481 should appear at the top of the results.
2. Confirm the branch is open by calling 9345740244 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 CIUB0000481 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000481 for City Union Bank Limited – VADALUR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Vadalur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000481, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CIUB0000481 is the IFSC code of City Union Bank Limited, VADALUR branch, in CUDDALORE, TAMIL NADU. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.