IFSC Code of City Union Bank Limited, Karaikal Branch, Puducherry

Use this page as a one-stop reference for everything related to City Union Bank Limited's KARAIKAL branch in KARAIKKAL, PUDUCHERRY. The branch's IFSC code CIUB0000103 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 – KARAIKAL is CIUB0000103. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000103 map to this branch in KARAIKKAL, PUDUCHERRY.

Bank profile

City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Karaikal branch — IFSC CIUB0000103 — extends the bank's services to customers in and around Karaikkal, Puducherry.

Branch details at a glance

Karaikal branch overview

Located at 261, BHARATHIAR ROAD, KARAIKKAL,KARAIKKAL,KARAIKKAL, the Karaikal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000103 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 KARAIKAL of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000103 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 CIUB0000103 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 Karaikal branch is mapped to IFSC CIUB0000103 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 CIUB0000103.

Products and services

Customers walking into the Karaikal 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 CIUB0000103

How to transfer money using IFSC CIUB0000103

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 CIUB0000103 across all three.

How to use IFSC CIUB0000103 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's KARAIKAL 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 CIUB0000103.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as KARAIKAL.
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 KARAIKAL

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's KARAIKAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000103 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited KARAIKAL (IFSC CIUB0000103)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000103 in your mobile or internet banking app, and the money is credited to the KARAIKAL branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karaikal

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 CIUB0000103:

• 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 KARAIKAL is still linked to IFSC CIUB0000103.

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 CIUB0000103

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 – KARAIKAL is still mapped to IFSC CIUB0000103. 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 CIUB0000103 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CIUB0000103

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARAIKAL 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 CIUB0000103 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 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 CIUB0000103 and the account number together uniquely identify the Karaikal 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 – KARAIKAL:

• The IFSC is exactly CIUB0000103 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 KARAIKAL 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.

Reaching the branch

The Karaikal branch sits at 261, BHARATHIAR ROAD, KARAIKKAL,KARAIKKAL,KARAIKKAL. If you are travelling from outside Karaikkal, search for the branch on a maps application using the bank name and locality, or call 9362911328 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC CIUB0000103 and your account number.

Verifying IFSC CIUB0000103 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 CIUB0000103 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9362911328.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Karaikal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000103, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000103 belongs to City Union Bank Limited's KARAIKAL branch, located at 261, BHARATHIAR ROAD, KARAIKKAL,KARAIKKAL,KARAIKKAL in KARAIKKAL, PUDUCHERRY. 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.