This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, NAGARCOIL branch in NAGERCOIL. The 11-digit IFSC CIUB0000134 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 NAGARCOIL 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 – NAGARCOIL is CIUB0000134. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000134 map to this branch in NAGERCOIL, TAMIL NADU.
About City Union Bank Limited
City Union Bank Limited operates a wide network of branches across India, including the Nagarcoil branch in Nagercoil. 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, CIUB0000134.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Nagarcoil |
| IFSC Code | CIUB0000134 |
| MICR Code | Refer to cheque leaf |
| Branch Address | THASOR PRESS BUILDING, NO 35, I FLOOR, CAPE ROAD, VEEPAMOODU JUNCTION, NAGARCOIL 629001 |
| City | Nagercoil |
| District | Kanyakumari |
| State | Tamil Nadu |
| STD Code | 4652 |
| Phone | 225353 |
Nagarcoil branch overview
Located at THASOR PRESS BUILDING, NO 35, I FLOOR, CAPE ROAD, VEEPAMOODU JUNCTION, NAGARCOIL 629001, the Nagarcoil branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000134 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 NAGARCOIL of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000134 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 CIUB0000134 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Nagarcoil branch is mapped to IFSC CIUB0000134 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 CIUB0000134.
Products and services
Customers walking into the Nagarcoil 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 CIUB0000134
How to transfer money using IFSC CIUB0000134
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 CIUB0000134 across all three.
How to use IFSC CIUB0000134 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's NAGARCOIL 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 CIUB0000134.
- Confirm the bank name auto-populates as City Union Bank Limited and the branch as NAGARCOIL.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CIUB0000134
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 – NAGARCOIL, ensure your bank's portal accepts IFSC CIUB0000134 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 – NAGARCOIL, use IMPS. With IFSC CIUB0000134 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 CIUB0000134 for City Union Bank Limited – NAGARCOIL, 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 – CIUB0000134 | Yes – CIUB0000134 | Yes – CIUB0000134 |
For most retail customers crediting the Nagarcoil 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 CIUB0000134
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 – NAGARCOIL is still mapped to IFSC CIUB0000134. 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 CIUB0000134 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 Nagarcoil 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 CIUB0000134 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 & cheque-truncation details
Cheques drawn on the Nagarcoil branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000134 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC CIUB0000134
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to City Union Bank Limited – NAGARCOIL, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
CIUB0000134. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Reaching the branch
The Nagarcoil branch sits at THASOR PRESS BUILDING, NO 35, I FLOOR, CAPE ROAD, VEEPAMOODU JUNCTION, NAGARCOIL 629001. If you are travelling from outside Nagercoil, search for the branch on a maps application using the bank name and locality, or call 4652-225353 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 CIUB0000134 and your account number.
Verifying IFSC CIUB0000134 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 CIUB0000134 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4652-225353.
- 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 Nagarcoil branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000134, however, work 24x7.
Branch address & contact
City Union Bank LimitedNagarcoil Branch
THASOR PRESS BUILDING, NO 35, I FLOOR, CAPE ROAD, VEEPAMOODU JUNCTION, NAGARCOIL 629001
Nagercoil, Tamil Nadu
Phone: 4652-225353
IFSC: CIUB0000134
Frequently asked questions
Where is City Union Bank Limited Nagarcoil branch located?
City Union Bank Limited's Nagarcoil branch is located at THASOR PRESS BUILDING, NO 35, I FLOOR, CAPE ROAD, VEEPAMOODU JUNCTION, NAGARCOIL 629001, Nagercoil, Tamil Nadu.
What is the phone number of City Union Bank Limited Nagarcoil branch?
You can reach the branch at 4652-225353 during regular banking hours.
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 Nagarcoil branch but serve different purposes.
Is IFSC CIUB0000134 valid for NEFT and RTGS?
Yes. IFSC CIUB0000134 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of City Union Bank Limited Nagarcoil branch?
The IFSC code of City Union Bank Limited, Nagarcoil branch is CIUB0000134. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CIUB0000134 the same for all accounts at Nagarcoil branch?
Yes. The IFSC CIUB0000134 is shared by every account held at City Union Bank Limited's Nagarcoil branch. Only the account number changes from customer to customer.
Final notes
To recap: CIUB0000134 is the IFSC code of City Union Bank Limited, NAGARCOIL branch, in NAGERCOIL, 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.
