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

This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, THIRUVALLUR branch in THIRUVALLUR. The 11-digit IFSC CIUB0000243 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 THIRUVALLUR 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.

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 THIRUVALLUR branch, the IFSC CIUB0000243 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000243 identifies this particular branch.

Bank profile

City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Thiruvallur branch — IFSC CIUB0000243 — extends the bank's services to customers in and around Thiruvallur, Tamil Nadu.

Branch details at a glance

About this branch

The branch is located at 14,J N ROAD,OPP TO REVENUEDIVISIONAL OFFICE. It serves the Thiruvallur 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 CIUB0000243 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 THIRUVALLUR branch came to be assigned the code CIUB0000243.

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 CIUB0000243, money simply cannot be routed to the THIRUVALLUR branch electronically.

Account types you can open at the Thiruvallur branch

Once you have an account at City Union Bank Limited – THIRUVALLUR, the IFSC CIUB0000243 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.

Products and services

Customers walking into the Thiruvallur 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 CIUB0000243

How to transfer money using IFSC CIUB0000243

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 CIUB0000243 across all three.

How to use IFSC CIUB0000243 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's THIRUVALLUR 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CIUB0000243.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as THIRUVALLUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to THIRUVALLUR

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's THIRUVALLUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000243 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 – THIRUVALLUR, use IMPS. With IFSC CIUB0000243 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 CIUB0000243 for City Union Bank Limited – THIRUVALLUR, 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.

For most retail customers crediting the Thiruvallur 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 CIUB0000243

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 – THIRUVALLUR is still mapped to IFSC CIUB0000243. 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 CIUB0000243 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CIUB0000243

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the THIRUVALLUR 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 CIUB0000243 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 CIUB0000243 and the account number together uniquely identify the Thiruvallur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC CIUB0000243

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 – THIRUVALLUR, 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: CIUB0000243.
• 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 Thiruvallur branch sits at 14,J N ROAD,OPP TO REVENUEDIVISIONAL OFFICE. If you are travelling from outside Thiruvallur, search for the branch on a maps application using the bank name and locality, or call 44-27666636 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 CIUB0000243 and your account number.

Verifying IFSC CIUB0000243 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 CIUB0000243 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 44-27666636.
• 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 Thiruvallur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000243, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CIUB0000243 is the IFSC code of City Union Bank Limited, THIRUVALLUR branch, in THIRUVALLUR, 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.