Use this page as a one-stop reference for everything related to City Union Bank Limited's SIVAKASI branch in SIVAKASI, TAMIL NADU. The branch's IFSC code CIUB0000114 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, CIUB0000114 is the IFSC of City Union Bank Limited's SIVAKASI branch. The format is fixed: CIUB = bank code, 0 = reserved, 000114 = branch identifier.
Bank profile
City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Sivakasi branch — IFSC CIUB0000114 — extends the bank's services to customers in and around Sivakasi, Tamil Nadu.
About this branch
The branch is located at NO.13,CHAIRMAN NPSN ARUMUGA NADAR ROAD,SIVAKASI626123. It serves the Sivakasi 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 CIUB0000114 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Sivakasi |
| IFSC Code | CIUB0000114 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NO.13,CHAIRMAN NPSN ARUMUGA NADAR ROAD,SIVAKASI626123 |
| City | Sivakasi |
| District | Virudhunagar |
| State | Tamil Nadu |
| STD Code | 4562 |
| Phone | 220181 |
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 SIVAKASI of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000114 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 CIUB0000114 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Sivakasi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000114 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC CIUB0000114
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 CIUB0000114 across all three.
NEFT to City Union Bank Limited, SIVAKASI using IFSC CIUB0000114
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 CIUB0000114, and confirm that the system picks up City Union Bank Limited – SIVAKASI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CIUB0000114
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 – SIVAKASI, ensure your bank's portal accepts IFSC CIUB0000114 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 – SIVAKASI, use IMPS. With IFSC CIUB0000114 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 CIUB0000114 for City Union Bank Limited – SIVAKASI, 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 – CIUB0000114 | Yes – CIUB0000114 | Yes – CIUB0000114 |
For most retail customers crediting the Sivakasi 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 CIUB0000114
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 – SIVAKASI is still mapped to IFSC CIUB0000114. 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 CIUB0000114 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Sivakasi branch is mapped to IFSC CIUB0000114 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 CIUB0000114.
Products and services
Customers walking into the Sivakasi 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 CIUB0000114
Digital banking channels
Most day-to-day work that customers used to do at the Sivakasi 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 CIUB0000114 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.
Reaching the branch
The Sivakasi branch sits at NO.13,CHAIRMAN NPSN ARUMUGA NADAR ROAD,SIVAKASI626123. If you are travelling from outside Sivakasi, search for the branch on a maps application using the bank name and locality, or call 4562-220181 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 CIUB0000114 and your account number.
Common mistakes to avoid when using IFSC CIUB0000114
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 – SIVAKASI, 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:
CIUB0000114. - 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.
Working hours
Branch counters at Sivakasi 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 CIUB0000114 continue to work without interruption.
Verifying IFSC CIUB0000114 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 CIUB0000114 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 4562-220181.
- Visiting the bank's official branch locator page.
Branch address & contact
City Union Bank LimitedSivakasi Branch
NO.13,CHAIRMAN NPSN ARUMUGA NADAR ROAD,SIVAKASI626123
Sivakasi, Tamil Nadu
Phone: 4562-220181
IFSC: CIUB0000114
Frequently asked questions
Where is City Union Bank Limited Sivakasi branch located?
City Union Bank Limited's Sivakasi branch is located at NO.13,CHAIRMAN NPSN ARUMUGA NADAR ROAD,SIVAKASI626123, Sivakasi, Tamil Nadu.
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 Sivakasi branch but serve different purposes.
How quickly will an NEFT transfer using CIUB0000114 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Sivakasi reflect within 30 minutes.
Is IFSC CIUB0000114 valid for NEFT and RTGS?
Yes. IFSC CIUB0000114 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC CIUB0000114 the same for all accounts at Sivakasi branch?
Yes. The IFSC CIUB0000114 is shared by every account held at City Union Bank Limited's Sivakasi branch. Only the account number changes from customer to customer.
How do I add City Union Bank Limited Sivakasi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CIUB0000114, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of City Union Bank Limited Sivakasi branch?
You can reach the branch at 4562-220181 during regular banking hours.
Can I use IFSC CIUB0000114 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000114 to send funds instantly.
Final notes
To recap: CIUB0000114 is the IFSC code of City Union Bank Limited, SIVAKASI branch, in SIVAKASI, 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
