Use this page as a one-stop reference for everything related to City Union Bank Limited's MELUR branch in MELUR, TAMIL NADU. The branch's IFSC code CIUB0000436 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, CIUB0000436 is the IFSC of City Union Bank Limited's MELUR branch. The format is fixed: CIUB = bank code, 0 = reserved, 000436 = branch identifier.
Bank profile
City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Melur branch — IFSC CIUB0000436 — extends the bank's services to customers in and around Melur, Tamil Nadu.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Melur |
| IFSC Code | CIUB0000436 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D.NO.243 2C1 A, NEAR BHASKARAN CLINIC, ALAGAR KOVIL ROAD, MELUR 625 106 MADURAI DIST |
| City | Melur |
| District | Madurai |
| State | Tamil Nadu |
| STD Code | 0 |
| Phone | 9365869140 |
Melur branch overview
Located at D.NO.243 2C1 A, NEAR BHASKARAN CLINIC, ALAGAR KOVIL ROAD, MELUR 625 106 MADURAI DIST, the Melur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000436 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 MELUR of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000436 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 CIUB0000436 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Melur branch
Once you have an account at City Union Bank Limited – MELUR, the IFSC CIUB0000436 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.
Banking services available
The Melur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9365869140.
- 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 CIUB0000436
How to transfer money using IFSC CIUB0000436
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 CIUB0000436 across all three.
How to use IFSC CIUB0000436 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's MELUR 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 CIUB0000436.
- Confirm the bank name auto-populates as City Union Bank Limited and the branch as MELUR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CIUB0000436
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 – MELUR, ensure your bank's portal accepts IFSC CIUB0000436 while registering the beneficiary. RTGS is also available 24x7.
IMPS to City Union Bank Limited MELUR (IFSC CIUB0000436)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000436 in your mobile or internet banking app, and the money is credited to the MELUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Melur
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 CIUB0000436:
- 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 MELUR is still linked to IFSC CIUB0000436.
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 CIUB0000436
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 – MELUR is still mapped to IFSC CIUB0000436. 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 CIUB0000436 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Melur 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 CIUB0000436 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.
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 CIUB0000436 and the account number together uniquely identify the Melur 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 – MELUR:
- The IFSC is exactly CIUB0000436 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 MELUR 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 Melur branch
The branch is located at D.NO.243 2C1 A, NEAR BHASKARAN CLINIC, ALAGAR KOVIL ROAD, MELUR 625 106 MADURAI DIST, which puts it inside Melur, the broader Madurai district, and the state of Tamil Nadu. To plan your visit:
- Open Google Maps on your phone and search for “City Union Bank Limited Melur branch” — the verified location pin for IFSC CIUB0000436 should appear at the top of the results.
- Confirm the branch is open by calling 9365869140 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 CIUB0000436 and your account number.
Verifying IFSC CIUB0000436 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 CIUB0000436 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 9365869140.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Melur 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 CIUB0000436 continue to work without interruption.
Branch address & contact
City Union Bank LimitedMelur Branch
D.NO.243 2C1 A, NEAR BHASKARAN CLINIC, ALAGAR KOVIL ROAD, MELUR 625 106 MADURAI DIST
Melur, Tamil Nadu
Phone: 9365869140
IFSC: CIUB0000436
Frequently asked questions
How quickly will an NEFT transfer using CIUB0000436 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Melur reflect within 30 minutes.
Is IFSC CIUB0000436 valid for NEFT and RTGS?
Yes. IFSC CIUB0000436 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of City Union Bank Limited Melur branch?
The IFSC code of City Union Bank Limited, Melur branch is CIUB0000436. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CIUB0000436 the same for all accounts at Melur branch?
Yes. The IFSC CIUB0000436 is shared by every account held at City Union Bank Limited's Melur branch. Only the account number changes from customer to customer.
Where is City Union Bank Limited Melur branch located?
City Union Bank Limited's Melur branch is located at D.NO.243 2C1 A, NEAR BHASKARAN CLINIC, ALAGAR KOVIL ROAD, MELUR 625 106 MADURAI DIST, Melur, Tamil Nadu.
Can I use IFSC CIUB0000436 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000436 to send funds instantly.
How do I add City Union Bank Limited Melur as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000436, and complete OTP verification. Once activated, you can transfer funds at any time.
Does City Union Bank Limited Melur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9365869140 to confirm.
Summary
The IFSC code CIUB0000436 belongs to City Union Bank Limited's MELUR branch, located at D.NO.243 2C1 A, NEAR BHASKARAN CLINIC, ALAGAR KOVIL ROAD, MELUR 625 106… in MELUR, 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.
