This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, VELLALAR AGARAM branch in MAYILADUTHURAI. The 11-digit IFSC CIUB0000590 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 VELLALAR AGARAM 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 – VELLALAR AGARAM is CIUB0000590. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000590 map to this branch in MAYILADUTHURAI, 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 Vellalar Agaram branch in Mayiladuthurai, Tamil Nadu is part of this network and uses the IFSC code CIUB0000590 for all electronic settlement.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Vellalar Agaram |
| IFSC Code | CIUB0000590 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.44,SIVAPRIYA NAGAR,VELLALAR AGARAM 609118,MAYILADUTHURAI. |
| City | Mayiladuthurai |
| District | Nagapattinam |
| State | Tamil Nadu |
| STD Code | 0 |
| Phone | 7397483518 |
Vellalar Agaram branch overview
Located at NO.44,SIVAPRIYA NAGAR,VELLALAR AGARAM 609118,MAYILADUTHURAI., the Vellalar Agaram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000590 is required for all interbank electronic transfers routed through this branch.
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 VELLALAR AGARAM branch came to be assigned the code CIUB0000590.
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 CIUB0000590, money simply cannot be routed to the VELLALAR AGARAM branch electronically.
Products and account variants supported
Every account opened at the Vellalar Agaram branch is mapped to IFSC CIUB0000590 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 CIUB0000590.
Banking services available
The Vellalar Agaram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7397483518.
- 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 CIUB0000590
How to transfer money using IFSC CIUB0000590
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 CIUB0000590 across all three.
NEFT to City Union Bank Limited, VELLALAR AGARAM using IFSC CIUB0000590
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 CIUB0000590, and confirm that the system picks up City Union Bank Limited – VELLALAR AGARAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to VELLALAR AGARAM
If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's VELLALAR AGARAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000590 while initiating the transfer and the credit will appear within minutes.
IMPS to City Union Bank Limited VELLALAR AGARAM (IFSC CIUB0000590)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000590 in your mobile or internet banking app, and the money is credited to the VELLALAR AGARAM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CIUB0000590 for City Union Bank Limited – VELLALAR AGARAM, 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 – CIUB0000590 | Yes – CIUB0000590 | Yes – CIUB0000590 |
For most retail customers crediting the Vellalar Agaram 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 VELLALAR AGARAM branch, the IFSC CIUB0000590 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.
Online banking and IFSC CIUB0000590
City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VELLALAR AGARAM 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 CIUB0000590 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 CIUB0000590 and the account number together uniquely identify the Vellalar Agaram 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 – VELLALAR AGARAM:
- The IFSC is exactly CIUB0000590 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 VELLALAR AGARAM 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 Vellalar Agaram branch
The branch is located at NO.44,SIVAPRIYA NAGAR,VELLALAR AGARAM 609118,MAYILADUTHURAI., which puts it inside Mayiladuthurai, the broader Nagapattinam district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Vellalar Agaram branch” — the verified location pin for IFSC CIUB0000590 should appear at the top of the results.
- Confirm the branch is open by calling 7397483518 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 CIUB0000590 and your account number.
Verifying IFSC CIUB0000590 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 CIUB0000590 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 7397483518.
- 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 Vellalar Agaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000590, however, work 24x7.
Branch address & contact
City Union Bank LimitedVellalar Agaram Branch
NO.44,SIVAPRIYA NAGAR,VELLALAR AGARAM 609118,MAYILADUTHURAI.
Mayiladuthurai, Tamil Nadu
Phone: 7397483518
IFSC: CIUB0000590
Frequently asked questions
What is the phone number of City Union Bank Limited Vellalar Agaram branch?
You can reach the branch at 7397483518 during regular banking hours.
Where is City Union Bank Limited Vellalar Agaram branch located?
City Union Bank Limited's Vellalar Agaram branch is located at NO.44,SIVAPRIYA NAGAR,VELLALAR AGARAM 609118,MAYILADUTHURAI., Mayiladuthurai, Tamil Nadu.
Is IFSC CIUB0000590 the same for all accounts at Vellalar Agaram branch?
Yes. The IFSC CIUB0000590 is shared by every account held at City Union Bank Limited's Vellalar Agaram branch. Only the account number changes from customer to customer.
How do I add City Union Bank Limited Vellalar Agaram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000590, and complete OTP verification. Once activated, you can transfer funds at any time.
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 Vellalar Agaram branch but serve different purposes.
Does City Union Bank Limited Vellalar Agaram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 7397483518 to confirm.
Final notes
To recap: CIUB0000590 is the IFSC code of City Union Bank Limited, VELLALAR AGARAM branch, in MAYILADUTHURAI, 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.
