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

This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, MELAVALAMPETTAI branch in KANCHIPURAM. The 11-digit IFSC CIUB0000468 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with City Union Bank Limited at the MELAVALAMPETTAI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – MELAVALAMPETTAI is CIUB0000468. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000468 map to this branch in KANCHIPURAM, TAMIL NADU.

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 Melavalampettai branch in Kanchipuram, Tamil Nadu is part of this network and uses the IFSC code CIUB0000468 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at PLOT NO.56 UTHIRAMERUR ROAD,V.B NAGARAM V.NO. 144 NEAR VASAM HOSPITAL MELAVALAMPETTAI-603303 KANCHEEPURAM -DIST. It serves the Kanchipuram 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 CIUB0000468 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 MELAVALAMPETTAI branch came to be assigned the code CIUB0000468.

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 CIUB0000468, money simply cannot be routed to the MELAVALAMPETTAI branch electronically.

Products and account variants supported

Every account opened at the Melavalampettai branch is mapped to IFSC CIUB0000468 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 CIUB0000468.

Products and services

Customers walking into the Melavalampettai 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 CIUB0000468

How to transfer money using IFSC CIUB0000468

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 CIUB0000468 across all three.

How to use IFSC CIUB0000468 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's MELAVALAMPETTAI 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 CIUB0000468.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as MELAVALAMPETTAI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CIUB0000468

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 – MELAVALAMPETTAI, ensure your bank's portal accepts IFSC CIUB0000468 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 – MELAVALAMPETTAI, use IMPS. With IFSC CIUB0000468 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 Melavalampettai

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 CIUB0000468:

• 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 MELAVALAMPETTAI is still linked to IFSC CIUB0000468.

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.

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 MELAVALAMPETTAI branch, the IFSC CIUB0000468 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.

Digital banking channels

Most day-to-day work that customers used to do at the Melavalampettai 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 CIUB0000468 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.

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 CIUB0000468 and the account number together uniquely identify the Melavalampettai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – MELAVALAMPETTAI:

• The IFSC is exactly CIUB0000468 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 MELAVALAMPETTAI 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 Melavalampettai branch

The branch is located at PLOT NO.56 UTHIRAMERUR ROAD,V.B NAGARAM V.NO. 144 NEAR VASAM HOSPITAL MELAVALAMPETTAI-603303 KANCHEEPURAM -DIST, which puts it inside Kanchipuram, 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 Melavalampettai branch” — the verified location pin for IFSC CIUB0000468 should appear at the top of the results.
2. Confirm the branch is open by calling 9345563629 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 CIUB0000468 and your account number.

Verifying IFSC CIUB0000468 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 CIUB0000468 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9345563629.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Melavalampettai 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 CIUB0000468 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CIUB0000468 is the IFSC code of City Union Bank Limited, MELAVALAMPETTAI branch, in KANCHIPURAM, 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.