If you are searching for the IFSC code of City Union Bank Limited, THINDAL branch in ERODE, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is CIUB0000205. 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 THINDAL branch, and detailed step-by-step guides for using the IFSC CIUB0000205 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 THINDAL branch, the IFSC CIUB0000205 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000205 identifies this particular branch.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Thindal |
| IFSC Code | CIUB0000205 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SFNO15 BY 2A,PERUNDURAI ROAD,THINDAL,ERODE,TAMIL NADU 638002 |
| City | Erode |
| District | Erode |
| State | Tamil Nadu |
| STD Code | 424 |
| Phone | 2430111 |
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 Thindal branch in Erode, Tamil Nadu is part of this network and uses the IFSC code CIUB0000205 for all electronic settlement.
Thindal branch overview
Located at SFNO15 BY 2A,PERUNDURAI ROAD,THINDAL,ERODE,TAMIL NADU 638002, the Thindal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000205 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 THINDAL of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000205 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 CIUB0000205 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 CIUB0000205
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 CIUB0000205 across all three.
How to use IFSC CIUB0000205 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's THINDAL 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 CIUB0000205.
- Confirm the bank name auto-populates as City Union Bank Limited and the branch as THINDAL.
- 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 THINDAL
If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's THINDAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000205 while initiating the transfer and the credit will appear within minutes.
IMPS to City Union Bank Limited THINDAL (IFSC CIUB0000205)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000205 in your mobile or internet banking app, and the money is credited to the THINDAL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Thindal
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 CIUB0000205:
- 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 THINDAL is still linked to IFSC CIUB0000205.
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 CIUB0000205
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 – THINDAL is still mapped to IFSC CIUB0000205. 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 CIUB0000205 and the beneficiary's account number to complete the transfer.
Account types you can open at the Thindal branch
Once you have an account at City Union Bank Limited – THINDAL, the IFSC CIUB0000205 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 Thindal 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 CIUB0000205
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 CIUB0000205 and the account number together uniquely identify the Thindal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC CIUB0000205
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THINDAL 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 CIUB0000205 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.
Common mistakes to avoid when using IFSC CIUB0000205
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 – THINDAL, 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:
CIUB0000205. - 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 Thindal branch
The branch is located at SFNO15 BY 2A,PERUNDURAI ROAD,THINDAL,ERODE,TAMIL NADU 638002, which puts it inside Erode, the broader Erode district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Thindal branch” — the verified location pin for IFSC CIUB0000205 should appear at the top of the results.
- Confirm the branch is open by calling 424-2430111 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 CIUB0000205 and your account number.
Verifying IFSC CIUB0000205 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 CIUB0000205 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 424-2430111.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Thindal 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 CIUB0000205 continue to work without interruption.
Branch address & contact
City Union Bank LimitedThindal Branch
SFNO15 BY 2A,PERUNDURAI ROAD,THINDAL,ERODE,TAMIL NADU 638002
Erode, Tamil Nadu
Phone: 424-2430111
IFSC: CIUB0000205
Frequently asked questions
Is IFSC CIUB0000205 the same for all accounts at Thindal branch?
Yes. The IFSC CIUB0000205 is shared by every account held at City Union Bank Limited's Thindal branch. Only the account number changes from customer to customer.
What is the IFSC code of City Union Bank Limited Thindal branch?
The IFSC code of City Union Bank Limited, Thindal branch is CIUB0000205. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using CIUB0000205 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Thindal reflect within 30 minutes.
What is the phone number of City Union Bank Limited Thindal branch?
You can reach the branch at 424-2430111 during regular banking hours.
Does City Union Bank Limited Thindal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 424-2430111 to confirm.
Is IFSC CIUB0000205 valid for NEFT and RTGS?
Yes. IFSC CIUB0000205 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code CIUB0000205 belongs to City Union Bank Limited's THINDAL branch, located at SFNO15 BY 2A,PERUNDURAI ROAD,THINDAL,ERODE,TAMIL NADU 638002 in ERODE, 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.
