This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, VADAKUTHU branch in VADAKUTHU. The 11-digit IFSC CIUB0000411 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 VADAKUTHU 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.
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, CIUB0000411 is the IFSC of City Union Bank Limited's VADAKUTHU branch. The format is fixed: CIUB = bank code, 0 = reserved, 000411 = branch identifier.
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 Vadakuthu branch in Vadakuthu, Tamil Nadu is part of this network and uses the IFSC code CIUB0000411 for all electronic settlement.
About the Vadakuthu branch
The Vadakuthu branch of City Union Bank Limited is situated at 13 BY A 1,40 FEET ROAD,GANDHI GRAMAM VADAKUTHU 607 308 CUDDALORE DIST. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CIUB0000411 is used.
Branch details at a glance
| Bank Name | City Union Bank Limited |
|---|---|
| Branch | Vadakuthu |
| IFSC Code | CIUB0000411 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 13 BY A 1,40 FEET ROAD,GANDHI GRAMAM VADAKUTHU 607 308 CUDDALORE DIST |
| City | Vadakuthu |
| District | Cuddalore |
| State | Tamil Nadu |
| STD Code | 0 |
| Phone | 9344152734 |
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 VADAKUTHU branch came to be assigned the code CIUB0000411.
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 CIUB0000411, money simply cannot be routed to the VADAKUTHU branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Vadakuthu branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000411 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 CIUB0000411
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 CIUB0000411 across all three.
NEFT to City Union Bank Limited, VADAKUTHU using IFSC CIUB0000411
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 CIUB0000411, and confirm that the system picks up City Union Bank Limited – VADAKUTHU. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CIUB0000411
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 – VADAKUTHU, ensure your bank's portal accepts IFSC CIUB0000411 while registering the beneficiary. RTGS is also available 24x7.
IMPS to City Union Bank Limited VADAKUTHU (IFSC CIUB0000411)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000411 in your mobile or internet banking app, and the money is credited to the VADAKUTHU branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CIUB0000411 for City Union Bank Limited – VADAKUTHU, 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 – CIUB0000411 | Yes – CIUB0000411 | Yes – CIUB0000411 |
For most retail customers crediting the Vadakuthu 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 CIUB0000411
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 – VADAKUTHU is still mapped to IFSC CIUB0000411. 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 CIUB0000411 and the beneficiary's account number to complete the transfer.
Account types you can open at the Vadakuthu branch
Once you have an account at City Union Bank Limited – VADAKUTHU, the IFSC CIUB0000411 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 Vadakuthu 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 CIUB0000411
Digital banking channels
Most day-to-day work that customers used to do at the Vadakuthu 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 CIUB0000411 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 Vadakuthu branch sits at 13 BY A 1,40 FEET ROAD,GANDHI GRAMAM VADAKUTHU 607 308 CUDDALORE DIST. If you are travelling from outside Vadakuthu, search for the branch on a maps application using the bank name and locality, or call 9344152734 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 CIUB0000411 and your account number.
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 – VADAKUTHU:
- The IFSC is exactly CIUB0000411 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 VADAKUTHU 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.
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 Vadakuthu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000411, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CIUB0000411 for City Union Bank Limited – VADAKUTHU, 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 address & contact
City Union Bank LimitedVadakuthu Branch
13 BY A 1,40 FEET ROAD,GANDHI GRAMAM VADAKUTHU 607 308 CUDDALORE DIST
Vadakuthu, Tamil Nadu
Phone: 9344152734
IFSC: CIUB0000411
Frequently asked questions
Does City Union Bank Limited Vadakuthu branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 9344152734 to confirm.
Is IFSC CIUB0000411 valid for NEFT and RTGS?
Yes. IFSC CIUB0000411 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using CIUB0000411 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to City Union Bank Limited – Vadakuthu reflect within 30 minutes.
Is IFSC CIUB0000411 the same for all accounts at Vadakuthu branch?
Yes. The IFSC CIUB0000411 is shared by every account held at City Union Bank Limited's Vadakuthu branch. Only the account number changes from customer to customer.
What is the IFSC code of City Union Bank Limited Vadakuthu branch?
The IFSC code of City Union Bank Limited, Vadakuthu branch is CIUB0000411. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is City Union Bank Limited Vadakuthu branch located?
City Union Bank Limited's Vadakuthu branch is located at 13 BY A 1,40 FEET ROAD,GANDHI GRAMAM VADAKUTHU 607 308 CUDDALORE DIST, Vadakuthu, Tamil Nadu.
Can I use IFSC CIUB0000411 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CIUB0000411 to send funds instantly.
Final notes
To recap: CIUB0000411 is the IFSC code of City Union Bank Limited, VADAKUTHU branch, in VADAKUTHU, 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.
