IFSC Code of The Nilambur Cooperative Urban Bank Limited Nilambur, Cherukode Branch Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Nilambur Cooperative Urban Bank Limited Nilambur, CHERUKODE BRANCH branch in MALAPPURAM. The 11-digit IFSC NCUB0000021 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 The Nilambur Cooperative Urban Bank Limited Nilambur at the CHERUKODE BRANCH 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 The Nilambur Cooperative Urban Bank Limited Nilambur's CHERUKODE BRANCH branch, the IFSC NCUB0000021 breaks down as follows: NCUB identifies the bank, 0 is the reserved character, and 000021 identifies this particular branch.

About the bank

The Nilambur Cooperative Urban Bank Limited Nilambur serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Cherukode Branch branch in Malappuram, Kerala is part of this network and uses the IFSC code NCUB0000021 for all electronic settlement.

About the Cherukode Branch branch

The Cherukode Branch branch of The Nilambur Cooperative Urban Bank Limited Nilambur is situated at BUILDING NO.1 - 28 B,ELAYODAN BUILDING,CHATHANGOTTUPURAM POST,MALAPPURAM DIST - 679328. 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 NCUB0000021 is used.

Branch details at a glance

Why every The Nilambur Cooperative Urban Bank Limited Nilambur 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 CHERUKODE BRANCH of The Nilambur Cooperative Urban Bank Limited Nilambur — its own 11-character IFSC. The code NCUB0000021 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 NCUB0000021 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Cherukode Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NCUB0000021 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 NCUB0000021

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 NCUB0000021 across all three.

How to use IFSC NCUB0000021 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Nilambur Cooperative Urban Bank Limited Nilambur's CHERUKODE BRANCH 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 NCUB0000021.
4. Confirm the bank name auto-populates as The Nilambur Cooperative Urban Bank Limited Nilambur and the branch as CHERUKODE BRANCH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC NCUB0000021

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 The Nilambur Cooperative Urban Bank Limited Nilambur – CHERUKODE BRANCH, ensure your bank's portal accepts IFSC NCUB0000021 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Nilambur Cooperative Urban Bank Limited Nilambur – CHERUKODE BRANCH, use IMPS. With IFSC NCUB0000021 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 NCUB0000021 for The Nilambur Cooperative Urban Bank Limited Nilambur – CHERUKODE BRANCH, 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 Cherukode Branch 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 NCUB0000021

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 The Nilambur Cooperative Urban Bank Limited Nilambur – CHERUKODE BRANCH is still mapped to IFSC NCUB0000021. 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 NCUB0000021 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Cherukode Branch branch is mapped to IFSC NCUB0000021 on the RBI payments network. The branch generally supports the full retail product catalogue of The Nilambur Cooperative Urban Bank Limited Nilambur, 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 NCUB0000021.

Products and services

Customers walking into the Cherukode Branch branch can access most of The Nilambur Cooperative Urban Bank Limited Nilambur'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 NCUB0000021

Digital banking channels

Most day-to-day work that customers used to do at the Cherukode Branch 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 NCUB0000021 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 Cherukode Branch branch sits at BUILDING NO.1 - 28 B,ELAYODAN BUILDING,CHATHANGOTTUPURAM POST,MALAPPURAM DIST - 679328. If you are travelling from outside Malappuram, search for the branch on a maps application using the bank name and locality, or call 245021 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 NCUB0000021 and your account number.

Common mistakes to avoid when using IFSC NCUB0000021

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 The Nilambur Cooperative Urban Bank Limited Nilambur – CHERUKODE BRANCH, 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: NCUB0000021.
• 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.

Working hours

Branch counters at Cherukode Branch 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 NCUB0000021 continue to work without interruption.

Verifying IFSC NCUB0000021 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 NCUB0000021 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 245021.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: NCUB0000021 is the IFSC code of The Nilambur Cooperative Urban Bank Limited Nilambur, CHERUKODE BRANCH branch, in MALAPPURAM, KERALA. 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.