Use this page as a one-stop reference for everything related to City Union Bank Limited's EDAPPALLY branch in EDAPPALLY, KERALA. The branch's IFSC code CIUB0000470 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 – EDAPPALLY is CIUB0000470. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000470 map to this branch in EDAPPALLY, KERALA.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Edappally |
| IFSC Code | CIUB0000470 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO 34-2284A NH 47, EDAPPALLY SOUTH, PALARIVATTOM PO, KOCHI -682025 ERNAKULAM -DIST, KERALA -STATE |
| City | Edappally |
| District | Ernakulam |
| State | Kerala |
| STD Code | 0 |
| Phone | 9388290601 |
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 Edappally branch in Edappally, Kerala is part of this network and uses the IFSC code CIUB0000470 for all electronic settlement.
About this branch
The branch is located at DOOR NO 34-2284A NH 47, EDAPPALLY SOUTH, PALARIVATTOM PO, KOCHI -682025 ERNAKULAM -DIST, KERALA -STATE. It serves the Edappally 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 CIUB0000470 is used to identify this branch on the RBI payments network.
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 EDAPPALLY branch came to be assigned the code CIUB0000470.
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 CIUB0000470, money simply cannot be routed to the EDAPPALLY branch electronically.
How to transfer money using IFSC CIUB0000470
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 CIUB0000470 across all three.
How to use IFSC CIUB0000470 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's EDAPPALLY 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CIUB0000470.
- Confirm the bank name auto-populates as City Union Bank Limited and the branch as EDAPPALLY.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to EDAPPALLY
If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's EDAPPALLY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000470 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to City Union Bank Limited – EDAPPALLY, use IMPS. With IFSC CIUB0000470 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 Edappally
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 CIUB0000470:
- 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 EDAPPALLY is still linked to IFSC CIUB0000470.
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 CIUB0000470
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 – EDAPPALLY is still mapped to IFSC CIUB0000470. 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 CIUB0000470 and the beneficiary's account number to complete the transfer.
Account types you can open at the Edappally branch
Once you have an account at City Union Bank Limited – EDAPPALLY, the IFSC CIUB0000470 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.
Products and services
Customers walking into the Edappally 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 CIUB0000470
MICR & cheque-truncation details
Cheques drawn on the Edappally branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000470 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Edappally 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 CIUB0000470 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 – EDAPPALLY:
- The IFSC is exactly CIUB0000470 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 EDAPPALLY 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 Edappally branch
The branch is located at DOOR NO 34-2284A NH 47, EDAPPALLY SOUTH, PALARIVATTOM PO, KOCHI -682025 ERNAKULAM -DIST, KERALA -STATE, which puts it inside Edappally, the broader Ernakulam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Edappally branch” — the verified location pin for IFSC CIUB0000470 should appear at the top of the results.
- Confirm the branch is open by calling 9388290601 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 CIUB0000470 and your account number.
Verifying IFSC CIUB0000470 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 CIUB0000470 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9388290601.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Edappally 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 CIUB0000470 continue to work without interruption.
Branch address & contact
City Union Bank LimitedEdappally Branch
DOOR NO 34-2284A NH 47, EDAPPALLY SOUTH, PALARIVATTOM PO, KOCHI -682025 ERNAKULAM -DIST, KERALA -STATE
Edappally, Kerala
Phone: 9388290601
IFSC: CIUB0000470
Frequently asked questions
How do I add City Union Bank Limited Edappally as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000470, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is City Union Bank Limited Edappally branch located?
City Union Bank Limited's Edappally branch is located at DOOR NO 34-2284A NH 47, EDAPPALLY SOUTH, PALARIVATTOM PO, KOCHI -682025 ERNAKULAM -DIST, KERALA -STATE, Edappally, Kerala.
What is the phone number of City Union Bank Limited Edappally branch?
You can reach the branch at 9388290601 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 Edappally branch but serve different purposes.
Can I use IFSC CIUB0000470 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000470 to send funds instantly.
Does City Union Bank Limited Edappally branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9388290601 to confirm.
Is IFSC CIUB0000470 valid for NEFT and RTGS?
Yes. IFSC CIUB0000470 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code CIUB0000470 belongs to City Union Bank Limited's EDAPPALLY branch, located at DOOR NO 34-2284A NH 47, EDAPPALLY SOUTH, PALARIVATTOM PO, KOCHI -682025… in EDAPPALLY, KERALA. 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.
