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

If you are searching for the IFSC code of City Union Bank Limited, REDDIKUPPAM branch in KANCHEEPURAM, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is CIUB0000674. 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 REDDIKUPPAM branch, and detailed step-by-step guides for using the IFSC CIUB0000674 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 REDDIKUPPAM branch, the IFSC CIUB0000674 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000674 identifies this particular branch.

Bank profile

City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Reddikuppam branch — IFSC CIUB0000674 — extends the bank's services to customers in and around Kancheepuram, Tamil Nadu.

About this branch

The branch is located at OLD NO.196,NEW NO.426 BY 1 AND 426 BY 2,ECR MAIN ROAD,REDDIKUPPAM,KANATHUR,KANCHEEPURAM DIST.603112. It serves the Kancheepuram 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 CIUB0000674 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 REDDIKUPPAM of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000674 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 CIUB0000674 the same way you would treat your account number — verify it once and save it carefully for future use.

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 CIUB0000674 and the account number together uniquely identify the Reddikuppam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CIUB0000674

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 CIUB0000674 across all three.

How to use IFSC CIUB0000674 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's REDDIKUPPAM 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 CIUB0000674.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as REDDIKUPPAM.
5. 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 REDDIKUPPAM

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's REDDIKUPPAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000674 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 – REDDIKUPPAM, use IMPS. With IFSC CIUB0000674 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC CIUB0000674 for City Union Bank Limited – REDDIKUPPAM, 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 Reddikuppam 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 REDDIKUPPAM branch, the IFSC CIUB0000674 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.

Account types you can open at the Reddikuppam branch

Once you have an account at City Union Bank Limited – REDDIKUPPAM, the IFSC CIUB0000674 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 Reddikuppam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7305048088.

• 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 CIUB0000674

Digital banking channels

Most day-to-day work that customers used to do at the Reddikuppam 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 CIUB0000674 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.

How to reach the Reddikuppam branch

The branch is located at OLD NO.196,NEW NO.426 BY 1 AND 426 BY 2,ECR MAIN ROAD,REDDIKUPPAM,KANATHUR,KANCHEEPURAM DIST.603112, which puts it inside Kancheepuram, the broader Kancheepuram 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 Reddikuppam branch” — the verified location pin for IFSC CIUB0000674 should appear at the top of the results.
2. Confirm the branch is open by calling 7305048088 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 CIUB0000674 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 – REDDIKUPPAM:

• The IFSC is exactly CIUB0000674 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 REDDIKUPPAM 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.

Working hours

Branch counters at Reddikuppam 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 CIUB0000674 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000674 for City Union Bank Limited – REDDIKUPPAM, 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 address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000674 belongs to City Union Bank Limited's REDDIKUPPAM branch, located at OLD NO.196,NEW NO.426 BY 1 AND 426 BY 2,ECR MAIN… in KANCHEEPURAM, 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.