Use this page as a one-stop reference for everything related to City Union Bank Limited's KOZIKODE branch in KOZHICODE, CALICUT, KERALA. The branch's IFSC code CIUB0000133 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 – KOZIKODE is CIUB0000133. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000133 map to this branch in KOZHICODE, CALICUT, KERALA.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Kozikode |
| IFSC Code | CIUB0000133 |
| MICR Code | Refer to cheque leaf |
| Branch Address | THARIF ARCADE BUILDING, NO 17 1004 B6, GROUND FLOOR, PUTHIYARA, KOZHICODE, CALICUT |
| City | Kozhicode, Calicut |
| District | Kozhikode |
| State | Kerala |
| STD Code | 495 |
| Phone | 2727121 |
Bank profile
City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kozikode branch — IFSC CIUB0000133 — extends the bank's services to customers in and around Kozhicode, Calicut, Kerala.
About the Kozikode branch
The Kozikode branch of City Union Bank Limited is situated at THARIF ARCADE BUILDING, NO 17 1004 B6, GROUND FLOOR, PUTHIYARA, KOZHICODE, CALICUT. 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 CIUB0000133 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 KOZIKODE branch came to be assigned the code CIUB0000133.
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 CIUB0000133, money simply cannot be routed to the KOZIKODE branch electronically.
How to transfer money using IFSC CIUB0000133
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 CIUB0000133 across all three.
NEFT to City Union Bank Limited, KOZIKODE using IFSC CIUB0000133
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 CIUB0000133, and confirm that the system picks up City Union Bank Limited – KOZIKODE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CIUB0000133
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 – KOZIKODE, ensure your bank's portal accepts IFSC CIUB0000133 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 – KOZIKODE, use IMPS. With IFSC CIUB0000133 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 CIUB0000133 for City Union Bank Limited – KOZIKODE, 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 – CIUB0000133 | Yes – CIUB0000133 | Yes – CIUB0000133 |
For most retail customers crediting the Kozikode 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.
UPI payments and IFSC CIUB0000133
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 – KOZIKODE is still mapped to IFSC CIUB0000133. 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 CIUB0000133 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kozikode branch is mapped to IFSC CIUB0000133 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 CIUB0000133.
Banking services available
The Kozikode branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 495-2727121.
- 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 CIUB0000133
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 CIUB0000133 and the account number together uniquely identify the Kozikode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC CIUB0000133
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KOZIKODE 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 CIUB0000133 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 – KOZIKODE:
- The IFSC is exactly CIUB0000133 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 KOZIKODE 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 Kozikode branch
The branch is located at THARIF ARCADE BUILDING, NO 17 1004 B6, GROUND FLOOR, PUTHIYARA, KOZHICODE, CALICUT, which puts it inside Kozhicode, Calicut, the broader Kozhikode district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Kozikode branch” — the verified location pin for IFSC CIUB0000133 should appear at the top of the results.
- Confirm the branch is open by calling 495-2727121 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 CIUB0000133 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CIUB0000133 for City Union Bank Limited – KOZIKODE, 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 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 Kozikode branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000133, however, work 24x7.
Branch address & contact
City Union Bank LimitedKozikode Branch
THARIF ARCADE BUILDING, NO 17 1004 B6, GROUND FLOOR, PUTHIYARA, KOZHICODE, CALICUT
Kozhicode, Calicut, Kerala
Phone: 495-2727121
IFSC: CIUB0000133
Frequently asked questions
What is the IFSC code of City Union Bank Limited Kozikode branch?
The IFSC code of City Union Bank Limited, Kozikode branch is CIUB0000133. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the phone number of City Union Bank Limited Kozikode branch?
You can reach the branch at 495-2727121 during regular banking hours.
Where is City Union Bank Limited Kozikode branch located?
City Union Bank Limited's Kozikode branch is located at THARIF ARCADE BUILDING, NO 17 1004 B6, GROUND FLOOR, PUTHIYARA, KOZHICODE, CALICUT, Kozhicode, Calicut, Kerala.
Is IFSC CIUB0000133 the same for all accounts at Kozikode branch?
Yes. The IFSC CIUB0000133 is shared by every account held at City Union Bank Limited's Kozikode branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CIUB0000133 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Kozikode reflect within 30 minutes.
Can I use IFSC CIUB0000133 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000133 to send funds instantly.
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 Kozikode branch but serve different purposes.
How do I add City Union Bank Limited Kozikode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000133, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: CIUB0000133 is the IFSC code of City Union Bank Limited, KOZIKODE branch, in KOZHICODE, CALICUT, KERALA. 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.
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