Use this page as a one-stop reference for everything related to City Union Bank Limited's DHARMAPURI branch in DHARMAOURI, TAMIL NADU. The branch's IFSC code CIUB0000231 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.
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, CIUB0000231 is the IFSC of City Union Bank Limited's DHARMAPURI branch. The format is fixed: CIUB = bank code, 0 = reserved, 000231 = branch identifier.
About City Union Bank Limited
City Union Bank Limited operates a wide network of branches across India, including the Dharmapuri branch in Dharmaouri. 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, CIUB0000231.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Dharmapuri |
| IFSC Code | CIUB0000231 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO.14Q AND 14R,NETHAJI BYE PASS ROAD,DHARMAPURI 636 701 |
| City | Dharmaouri |
| District | Dharmapuri |
| State | Tamil Nadu |
| STD Code | 4342 |
| Phone | 264477 |
About the Dharmapuri branch
The Dharmapuri branch of City Union Bank Limited is situated at DOOR NO.14Q AND 14R,NETHAJI BYE PASS ROAD,DHARMAPURI 636 701. 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 CIUB0000231 is used.
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 DHARMAPURI of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000231 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 CIUB0000231 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Dharmapuri branch is mapped to IFSC CIUB0000231 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 CIUB0000231.
Banking services available
The Dharmapuri branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4342-264477.
- 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 CIUB0000231
How to transfer money using IFSC CIUB0000231
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 CIUB0000231 across all three.
NEFT to City Union Bank Limited, DHARMAPURI using IFSC CIUB0000231
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 CIUB0000231, and confirm that the system picks up City Union Bank Limited – DHARMAPURI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CIUB0000231
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 – DHARMAPURI, ensure your bank's portal accepts IFSC CIUB0000231 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 – DHARMAPURI, use IMPS. With IFSC CIUB0000231 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Dharmapuri
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 CIUB0000231:
- 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 DHARMAPURI is still linked to IFSC CIUB0000231.
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 CIUB0000231
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 – DHARMAPURI is still mapped to IFSC CIUB0000231. 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 CIUB0000231 and the beneficiary's account number to complete the transfer.
Online banking and IFSC CIUB0000231
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the DHARMAPURI 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 CIUB0000231 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.
MICR & cheque-truncation details
Cheques drawn on the Dharmapuri branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000231 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC CIUB0000231
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 – DHARMAPURI, 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:
CIUB0000231. - 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 Dharmapuri branch
The branch is located at DOOR NO.14Q AND 14R,NETHAJI BYE PASS ROAD,DHARMAPURI 636 701, which puts it inside Dharmaouri, the broader Dharmapuri district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Dharmapuri branch” — the verified location pin for IFSC CIUB0000231 should appear at the top of the results.
- Confirm the branch is open by calling 4342-264477 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 CIUB0000231 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CIUB0000231 for City Union Bank Limited – DHARMAPURI, 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.
Working hours
Branch counters at Dharmapuri 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 CIUB0000231 continue to work without interruption.
Branch address & contact
City Union Bank LimitedDharmapuri Branch
DOOR NO.14Q AND 14R,NETHAJI BYE PASS ROAD,DHARMAPURI 636 701
Dharmaouri, Tamil Nadu
Phone: 4342-264477
IFSC: CIUB0000231
Frequently asked questions
How quickly will an NEFT transfer using CIUB0000231 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Dharmapuri reflect within 30 minutes.
How do I add City Union Bank Limited Dharmapuri as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000231, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC CIUB0000231 the same for all accounts at Dharmapuri branch?
Yes. The IFSC CIUB0000231 is shared by every account held at City Union Bank Limited's Dharmapuri branch. Only the account number changes from customer to customer.
What is the IFSC code of City Union Bank Limited Dharmapuri branch?
The IFSC code of City Union Bank Limited, Dharmapuri branch is CIUB0000231. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CIUB0000231 valid for NEFT and RTGS?
Yes. IFSC CIUB0000231 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Dharmapuri branch but serve different purposes.
Summary
The IFSC code CIUB0000231 belongs to City Union Bank Limited's DHARMAPURI branch, located at DOOR NO.14Q AND 14R,NETHAJI BYE PASS ROAD,DHARMAPURI 636 701 in DHARMAOURI, 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.
