If you are searching for the IFSC code of City Union Bank Limited, KOTTUR branch in KOTTUR, TAMIL NADU, this page has every detail you need. The verified IFSC code for this branch is CIUB0000031. 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 KOTTUR branch, and detailed step-by-step guides for using the IFSC CIUB0000031 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 KOTTUR branch, the IFSC CIUB0000031 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000031 identifies this particular branch.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Kottur |
| IFSC Code | CIUB0000031 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 3 BY 551 MAIN ROAD, KOTTUR- 614 708 |
| City | Kottur |
| District | Tiruvarur |
| State | Tamil Nadu |
| STD Code | 4367 |
| Phone | 279440 |
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 Kottur branch in Kottur, Tamil Nadu is part of this network and uses the IFSC code CIUB0000031 for all electronic settlement.
About this branch
The branch is located at 3 BY 551 MAIN ROAD, KOTTUR- 614 708. It serves the Kottur 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 CIUB0000031 is used to identify this branch on the RBI payments network.
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 KOTTUR of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000031 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 CIUB0000031 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 CIUB0000031
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 CIUB0000031 across all three.
NEFT to City Union Bank Limited, KOTTUR using IFSC CIUB0000031
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC CIUB0000031, and confirm that the system picks up City Union Bank Limited – KOTTUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KOTTUR
If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's KOTTUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000031 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 – KOTTUR, use IMPS. With IFSC CIUB0000031 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 CIUB0000031 for City Union Bank Limited – KOTTUR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CIUB0000031 | Yes – CIUB0000031 | Yes – CIUB0000031 |
For most retail customers crediting the Kottur 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 KOTTUR branch, the IFSC CIUB0000031 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.
Products and account variants supported
Every account opened at the Kottur branch is mapped to IFSC CIUB0000031 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 CIUB0000031.
Products and services
Customers walking into the Kottur 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 CIUB0000031
MICR & cheque-truncation details
Cheques drawn on the Kottur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000031 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kottur 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 CIUB0000031 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.
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 – KOTTUR:
- The IFSC is exactly CIUB0000031 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 KOTTUR 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 Kottur branch
The branch is located at 3 BY 551 MAIN ROAD, KOTTUR- 614 708, which puts it inside Kottur, the broader Tiruvarur district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Kottur branch” — the verified location pin for IFSC CIUB0000031 should appear at the top of the results.
- Confirm the branch is open by calling 4367-279440 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 CIUB0000031 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CIUB0000031 for City Union Bank Limited – KOTTUR, 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.
Working hours
Branch counters at Kottur 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 CIUB0000031 continue to work without interruption.
Branch address & contact
City Union Bank LimitedKottur Branch
3 BY 551 MAIN ROAD, KOTTUR- 614 708
Kottur, Tamil Nadu
Phone: 4367-279440
IFSC: CIUB0000031
Frequently asked questions
Is IFSC CIUB0000031 valid for NEFT and RTGS?
Yes. IFSC CIUB0000031 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is City Union Bank Limited Kottur branch located?
City Union Bank Limited's Kottur branch is located at 3 BY 551 MAIN ROAD, KOTTUR- 614 708, Kottur, Tamil Nadu.
How do I add City Union Bank Limited Kottur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000031, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using CIUB0000031 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Kottur reflect within 30 minutes.
Is IFSC CIUB0000031 the same for all accounts at Kottur branch?
Yes. The IFSC CIUB0000031 is shared by every account held at City Union Bank Limited's Kottur branch. Only the account number changes from customer to customer.
What is the IFSC code of City Union Bank Limited Kottur branch?
The IFSC code of City Union Bank Limited, Kottur branch is CIUB0000031. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code CIUB0000031 belongs to City Union Bank Limited's KOTTUR branch, located at 3 BY 551 MAIN ROAD, KOTTUR- 614 708 in KOTTUR, 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.
