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

Below are the complete branch details for City Union Bank Limited, TIRUCHIRAPPALLI branch, located in TIRUCHIRAPALLI, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is CIUB0000023. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CIUB0000023 for City Union Bank Limited – TIRUCHIRAPPALLI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 TIRUCHIRAPPALLI branch, the IFSC CIUB0000023 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000023 identifies this particular branch.

Branch details at a glance

Bank profile

City Union Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Tiruchirappalli branch — IFSC CIUB0000023 — extends the bank's services to customers in and around Tiruchirapalli, Tamil Nadu.

About this branch

The branch is located at KALIAMHAN KOIL ST,INDIRA GANDHI COLLEGE COMPUS,TRICHY620002. It serves the Tiruchirapalli 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 CIUB0000023 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 TIRUCHIRAPPALLI of City Union Bank Limited — its own 11-character IFSC. The code CIUB0000023 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 CIUB0000023 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CIUB0000023

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 CIUB0000023 across all three.

How to use IFSC CIUB0000023 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's TIRUCHIRAPPALLI 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 CIUB0000023.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as TIRUCHIRAPPALLI.
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 TIRUCHIRAPPALLI

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's TIRUCHIRAPPALLI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000023 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited TIRUCHIRAPPALLI (IFSC CIUB0000023)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000023 in your mobile or internet banking app, and the money is credited to the TIRUCHIRAPPALLI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CIUB0000023 for City Union Bank Limited – TIRUCHIRAPPALLI, 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 Tiruchirappalli 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.

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 TIRUCHIRAPPALLI branch, the IFSC CIUB0000023 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.

Account types you can open at the Tiruchirappalli branch

Once you have an account at City Union Bank Limited – TIRUCHIRAPPALLI, the IFSC CIUB0000023 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 Tiruchirappalli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 431-2704180.

• 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 CIUB0000023

MICR & cheque-truncation details

Cheques drawn on the Tiruchirappalli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000023 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Tiruchirappalli 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 CIUB0000023 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.

Common mistakes to avoid when using IFSC CIUB0000023

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 – TIRUCHIRAPPALLI, 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: CIUB0000023.
• 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.

How to reach the Tiruchirappalli branch

The branch is located at KALIAMHAN KOIL ST,INDIRA GANDHI COLLEGE COMPUS,TRICHY620002, which puts it inside Tiruchirapalli, the broader Tiruchirapalli 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 Tiruchirappalli branch” — the verified location pin for IFSC CIUB0000023 should appear at the top of the results.
2. Confirm the branch is open by calling 431-2704180 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 CIUB0000023 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CIUB0000023 for City Union Bank Limited – TIRUCHIRAPPALLI, 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 Tiruchirappalli 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 CIUB0000023 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CIUB0000023 is the IFSC code of City Union Bank Limited, TIRUCHIRAPPALLI branch, in TIRUCHIRAPALLI, 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.