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

This page lists the IFSC code, branch address, contact number and fund-transfer information for City Union Bank Limited, VELAPPANCHAVADI branch in VELAPPANCHAVADI. The 11-digit IFSC CIUB0000395 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 VELAPPANCHAVADI 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 VELAPPANCHAVADI branch, the IFSC CIUB0000395 breaks down as follows: CIUB identifies the bank, 0 is the reserved character, and 000395 identifies this particular branch.

Branch details at a glance

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 Velappanchavadi branch in Velappanchavadi, Tamil Nadu is part of this network and uses the IFSC code CIUB0000395 for all electronic settlement.

Velappanchavadi branch overview

Located at NO.135,POONAMALLEE HIGH ROAD,BHUVANA NURSERY AVENUE,VELAPPANCHAVADI CHENNAI 600 077.THIRUVALLUR DIST, the Velappanchavadi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CIUB0000395 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 VELAPPANCHAVADI branch came to be assigned the code CIUB0000395.

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 CIUB0000395, money simply cannot be routed to the VELAPPANCHAVADI branch electronically.

How to transfer money using IFSC CIUB0000395

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 CIUB0000395 across all three.

How to use IFSC CIUB0000395 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to City Union Bank Limited's VELAPPANCHAVADI 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 CIUB0000395.
4. Confirm the bank name auto-populates as City Union Bank Limited and the branch as VELAPPANCHAVADI.
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 VELAPPANCHAVADI

If you need to transfer ₹2 lakh or more in one go to an account at City Union Bank Limited's VELAPPANCHAVADI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CIUB0000395 while initiating the transfer and the credit will appear within minutes.

IMPS to City Union Bank Limited VELAPPANCHAVADI (IFSC CIUB0000395)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CIUB0000395 in your mobile or internet banking app, and the money is credited to the VELAPPANCHAVADI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Velappanchavadi

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 CIUB0000395:

• 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 VELAPPANCHAVADI is still linked to IFSC CIUB0000395.

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 CIUB0000395

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 – VELAPPANCHAVADI is still mapped to IFSC CIUB0000395. 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 CIUB0000395 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Velappanchavadi branch is mapped to IFSC CIUB0000395 on the RBI payments network. The branch generally supports the full retail product catalogue of City Union Bank Limited, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains CIUB0000395.

Products and services

Customers walking into the Velappanchavadi 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 CIUB0000395

MICR & cheque-truncation details

Cheques drawn on the Velappanchavadi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CIUB0000395 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC CIUB0000395

City Union Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VELAPPANCHAVADI 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 CIUB0000395 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.

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 – VELAPPANCHAVADI:

• The IFSC is exactly CIUB0000395 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 VELAPPANCHAVADI 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 Velappanchavadi branch

The branch is located at NO.135,POONAMALLEE HIGH ROAD,BHUVANA NURSERY AVENUE,VELAPPANCHAVADI CHENNAI 600 077.THIRUVALLUR DIST, which puts it inside Velappanchavadi, the broader Thiruvallur 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 Velappanchavadi branch” — the verified location pin for IFSC CIUB0000395 should appear at the top of the results.
2. Confirm the branch is open by calling 9362946859 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 CIUB0000395 and your account number.

Verifying IFSC CIUB0000395 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 CIUB0000395 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9362946859.
• 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 Velappanchavadi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CIUB0000395, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CIUB0000395 belongs to City Union Bank Limited's VELAPPANCHAVADI branch, located at NO.135,POONAMALLEE HIGH ROAD,BHUVANA NURSERY AVENUE,VELAPPANCHAVADI CHENNAI… in VELAPPANCHAVADI, 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.