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

Below are the complete branch details for City Union Bank Limited, UTHIRAMERUR branch, located in UTHIRAMERUR, TAMIL NADU. The IFSC assigned by the Reserve Bank of India to this branch is CIUB0000549. 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 CIUB0000549 for City Union Bank Limited – UTHIRAMERUR — 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 UTHIRAMERUR branch, the IFSC CIUB0000549 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000549 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 Uthiramerur branch — IFSC CIUB0000549 — extends the bank's services to customers in and around Uthiramerur, Tamil Nadu.

Branch details at a glance

Uthiramerur branch overview

Located at NO 66, SENGUNTHA PILLIAR KOIL STREET, NEAR PONVIZHA MANDAPAM, UTHIRAMERUR - 603406, the Uthiramerur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000549 is required for all interbank electronic transfers routed through this branch.

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 UTHIRAMERUR branch came to be assigned the code CIUB0000549.

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 CIUB0000549, money simply cannot be routed to the UTHIRAMERUR branch electronically.

Account types you can open at the Uthiramerur branch

Once you have an account at City Union Bank Limited – UTHIRAMERUR, the IFSC CIUB0000549 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 Uthiramerur branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 7604883208.

• 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 CIUB0000549

How to transfer money using IFSC CIUB0000549

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 CIUB0000549 across all three.

How to use IFSC CIUB0000549 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's UTHIRAMERUR 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 CIUB0000549.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as UTHIRAMERUR.
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 UTHIRAMERUR

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's UTHIRAMERUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000549 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited UTHIRAMERUR (IFSC CIUB0000549)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000549 in your mobile or internet banking app, and the money is credited to the UTHIRAMERUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Uthiramerur

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 CIUB0000549:

• 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 UTHIRAMERUR is still linked to IFSC CIUB0000549.

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 UTHIRAMERUR branch, the IFSC CIUB0000549 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 CIUB0000549

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the UTHIRAMERUR 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 CIUB0000549 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 CIUB0000549 and the account number together uniquely identify the Uthiramerur 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 – UTHIRAMERUR:

• The IFSC is exactly CIUB0000549 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 UTHIRAMERUR 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 Uthiramerur branch

The branch is located at NO 66, SENGUNTHA PILLIAR KOIL STREET, NEAR PONVIZHA MANDAPAM, UTHIRAMERUR - 603406, which puts it inside Uthiramerur, the broader Kancheepuram 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 Uthiramerur branch” — the verified location pin for IFSC CIUB0000549 should appear at the top of the results.
2. Confirm the branch is open by calling 7604883208 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 CIUB0000549 and your account number.

Verifying IFSC CIUB0000549 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 CIUB0000549 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7604883208.
• 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 Uthiramerur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000549, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CIUB0000549 is the IFSC code of City Union Bank Limited, UTHIRAMERUR branch, in UTHIRAMERUR, 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.