IFSC Code of City Union Bank Limited, Sivakasi Satchiyapuram Branch, Tamil Nadu

Use this page as a one-stop reference for everything related to City Union Bank Limited's SIVAKASI SATCHIYAPURAM branch in SIVAKASI, TAMIL NADU. The branch's IFSC code CIUB0000820 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.

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 – SIVAKASI SATCHIYAPURAM is CIUB0000820. The first four letters CIUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000820 map to this branch in SIVAKASI, 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 Sivakasi Satchiyapuram branch in Sivakasi, Tamil Nadu is part of this network and uses the IFSC code CIUB0000820 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at D.NO.1/202 F, GROUND FLOOR,GURU COLONY,DEVARKULAM PANCHAYATH,SATCHIYAPURAM,SIVAKASI. 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 CIUB0000820 is used to identify this branch on the RBI payments network.

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 SATCHIYAPURAM of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000820 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 CIUB0000820 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 Sivakasi Satchiyapuram branch

Once you have an account at City Union Bank Limited – SIVAKASI SATCHIYAPURAM, the IFSC CIUB0000820 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 Sivakasi Satchiyapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4562-9600739820.

• 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 CIUB0000820

How to transfer money using IFSC CIUB0000820

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 CIUB0000820 across all three.

NEFT to City Union Bank Limited, SIVAKASI SATCHIYAPURAM using IFSC CIUB0000820

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 CIUB0000820, and confirm that the system picks up City Union Bank Limited – SIVAKASI SATCHIYAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SIVAKASI SATCHIYAPURAM

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's SIVAKASI SATCHIYAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000820 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to City Union Bank Limited – SIVAKASI SATCHIYAPURAM, use IMPS. With IFSC CIUB0000820 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Sivakasi Satchiyapuram

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 CIUB0000820:

• 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 SIVAKASI SATCHIYAPURAM is still linked to IFSC CIUB0000820.

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 CIUB0000820

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 SATCHIYAPURAM is still mapped to IFSC CIUB0000820. 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 CIUB0000820 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 Sivakasi Satchiyapuram 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 CIUB0000820 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 Sivakasi Satchiyapuram branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000820 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – SIVAKASI SATCHIYAPURAM:

• The IFSC is exactly CIUB0000820 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 SIVAKASI SATCHIYAPURAM 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 Sivakasi Satchiyapuram branch

The branch is located at D.NO.1/202 F, GROUND FLOOR,GURU COLONY,DEVARKULAM PANCHAYATH,SATCHIYAPURAM,SIVAKASI, which puts it inside Sivakasi, the broader Sivakasi 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 Sivakasi Satchiyapuram branch” — the verified location pin for IFSC CIUB0000820 should appear at the top of the results.
2. Confirm the branch is open by calling 4562-9600739820 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 CIUB0000820 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000820 for City Union Bank Limited – SIVAKASI SATCHIYAPURAM, 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.

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 Sivakasi Satchiyapuram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000820, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000820 belongs to City Union Bank Limited's SIVAKASI SATCHIYAPURAM branch, located at D.NO.1/202 F, GROUND FLOOR,GURU COLONY,DEVARKULAM… in SIVAKASI, 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.