IFSC Code of City Union Bank Limited, Balakrishnapuram Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to City Union Bank Limited's BALAKRISHNAPURAM branch in PUTHOOR, TAMIL NADU. The branch's IFSC code CIUB0000402 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.

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 BALAKRISHNAPURAM branch, the IFSC CIUB0000402 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000402 identifies this particular branch.

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 Balakrishnapuram branch in Puthoor, Tamil Nadu is part of this network and uses the IFSC code CIUB0000402 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at 5,MASILAMANIPURAM,BALAKRISHNAPURAM 624005 PUTHOOR POST DINDIGUL DIST. It serves the Puthoor 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 CIUB0000402 is used to identify this branch on the RBI payments network.

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 BALAKRISHNAPURAM branch came to be assigned the code CIUB0000402.

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 CIUB0000402, money simply cannot be routed to the BALAKRISHNAPURAM branch electronically.

Products and account variants supported

Every account opened at the Balakrishnapuram branch is mapped to IFSC CIUB0000402 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 CIUB0000402.

Banking services available

The Balakrishnapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9365880611.

• 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 CIUB0000402

How to transfer money using IFSC CIUB0000402

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 CIUB0000402 across all three.

NEFT to City Union Bank Limited, BALAKRISHNAPURAM using IFSC CIUB0000402

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 CIUB0000402, and confirm that the system picks up City Union Bank Limited – BALAKRISHNAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BALAKRISHNAPURAM

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's BALAKRISHNAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000402 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited BALAKRISHNAPURAM (IFSC CIUB0000402)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000402 in your mobile or internet banking app, and the money is credited to the BALAKRISHNAPURAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Balakrishnapuram

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 CIUB0000402:

• 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 BALAKRISHNAPURAM is still linked to IFSC CIUB0000402.

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.

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 BALAKRISHNAPURAM branch, the IFSC CIUB0000402 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 CIUB0000402

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BALAKRISHNAPURAM 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 CIUB0000402 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 CIUB0000402 and the account number together uniquely identify the Balakrishnapuram 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 – BALAKRISHNAPURAM:

• The IFSC is exactly CIUB0000402 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 BALAKRISHNAPURAM 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 Balakrishnapuram branch

The branch is located at 5,MASILAMANIPURAM,BALAKRISHNAPURAM 624005 PUTHOOR POST DINDIGUL DIST, which puts it inside Puthoor, the broader Dindigul district, and the state of Tamil Nadu. To plan your visit:

1. Open Google Maps on your phone and search for “City Union Bank Limited Balakrishnapuram branch” — the verified location pin for IFSC CIUB0000402 should appear at the top of the results.
2. Confirm the branch is open by calling 9365880611 before stepping out, especially around public holidays.
3. 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 CIUB0000402 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000402 for City Union Bank Limited – BALAKRISHNAPURAM, 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 Balakrishnapuram 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 CIUB0000402 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CIUB0000402 is the IFSC code of City Union Bank Limited, BALAKRISHNAPURAM branch, in PUTHOOR, 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.