This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, KARUR branch in KARUR. The 11-digit IFSC CIUB0000089 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 KARUR 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 – KARUR is CIUB0000089. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000089 map to this branch in KARUR, TAMIL NADU.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Karur |
| IFSC Code | CIUB0000089 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NAVARANG BUILDING,NO.18. RAMAKRISHNAPURAM,KARUR639001 |
| City | Karur |
| District | Karur |
| State | Tamil Nadu |
| STD Code | 4324 |
| Phone | 230346 |
About City Union Bank Limited
City Union Bank Limited operates a wide network of branches across India, including the Karur branch in Karur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CIUB0000089.
About the Karur branch
The Karur branch of City Union Bank Limited is situated at NAVARANG BUILDING,NO.18. RAMAKRISHNAPURAM,KARUR639001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CIUB0000089 is used.
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 KARUR branch came to be assigned the code CIUB0000089.
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 CIUB0000089, money simply cannot be routed to the KARUR branch electronically.
How to transfer money using IFSC CIUB0000089
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 CIUB0000089 across all three.
How to use IFSC CIUB0000089 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's KARUR 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 CIUB0000089.
- Confirm the bank name auto-populates as City Union Bank Limited and the branch as KARUR.
- 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 KARUR
If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's KARUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000089 while initiating the transfer and the credit will appear within minutes.
IMPS to City Union Bank Limited KARUR (IFSC CIUB0000089)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000089 in your mobile or internet banking app, and the money is credited to the KARUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Karur
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 CIUB0000089:
- 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 KARUR is still linked to IFSC CIUB0000089.
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 KARUR branch, the IFSC CIUB0000089 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 Karur branch
Once you have an account at City Union Bank Limited – KARUR, the IFSC CIUB0000089 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 Karur 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 CIUB0000089
MICR & cheque-truncation details
Cheques drawn on the Karur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000089 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC CIUB0000089
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARUR 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 CIUB0000089 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.
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 – KARUR:
- The IFSC is exactly CIUB0000089 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 KARUR 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 Karur branch sits at NAVARANG BUILDING,NO.18. RAMAKRISHNAPURAM,KARUR639001. If you are travelling from outside Karur, search for the branch on a maps application using the bank name and locality, or call 4324-230346 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 CIUB0000089 and your account number.
Verifying IFSC CIUB0000089 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 CIUB0000089 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4324-230346.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Karur 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 CIUB0000089 continue to work without interruption.
Branch address & contact
City Union Bank LimitedKarur Branch
NAVARANG BUILDING,NO.18. RAMAKRISHNAPURAM,KARUR639001
Karur, Tamil Nadu
Phone: 4324-230346
IFSC: CIUB0000089
Frequently asked questions
What is the IFSC code of City Union Bank Limited Karur branch?
The IFSC code of City Union Bank Limited, Karur branch is CIUB0000089. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CIUB0000089 the same for all accounts at Karur branch?
Yes. The IFSC CIUB0000089 is shared by every account held at City Union Bank Limited's Karur branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CIUB0000089 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Karur reflect within 30 minutes.
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 Karur branch but serve different purposes.
Can I use IFSC CIUB0000089 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000089 to send funds instantly.
What is the phone number of City Union Bank Limited Karur branch?
You can reach the branch at 4324-230346 during regular banking hours.
Summary
The IFSC code CIUB0000089 belongs to City Union Bank Limited's KARUR branch, located at NAVARANG BUILDING,NO.18. RAMAKRISHNAPURAM,KARUR639001 in KARUR, 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.
