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

Use this page as a one-stop reference for everything related to The Nilambur Cooperative Urban Bank Limited Nilambur's CHOKKAD BRANCH branch in MALAPPURAM, KERALA. The branch's IFSC code NCUB0000022 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, NCUB0000022 is the IFSC of The Nilambur Cooperative Urban Bank Limited Nilambur's CHOKKAD BRANCH branch. The format is fixed: NCUB = bank code, 0 = reserved, 000022 = branch identifier.

Bank profile

The Nilambur Cooperative Urban Bank Limited Nilambur is among the recognised banks listed on the Reserve Bank of India's payments network. The Chokkad Branch branch — IFSC NCUB0000022 — extends the bank's services to customers in and around Malappuram, Kerala.

About the Chokkad Branch branch

The Chokkad Branch branch of The Nilambur Cooperative Urban Bank Limited Nilambur is situated at BUILDING NO.156,PKG BUILDING,CHOKKAD POST,MALAPPURAM DIST - 679355. 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 NCUB0000022 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 CHOKKAD BRANCH of The Nilambur Cooperative Urban Bank Limited Nilambur — its own 11-character IFSC. The code NCUB0000022 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 NCUB0000022 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Nilambur Cooperative Urban Bank Limited Nilambur carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC NCUB0000022 and the account number together uniquely identify the Chokkad Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC NCUB0000022

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 NCUB0000022 across all three.

How to use IFSC NCUB0000022 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 CHOKKAD 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 NCUB0000022.
4. Confirm the bank name auto-populates as The Nilambur Cooperative Urban Bank Limited Nilambur and the branch as CHOKKAD BRANCH.
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 CHOKKAD BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The Nilambur Cooperative Urban Bank Limited Nilambur's CHOKKAD BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NCUB0000022 while initiating the transfer and the credit will appear within minutes.

IMPS to The Nilambur Cooperative Urban Bank Limited Nilambur CHOKKAD BRANCH (IFSC NCUB0000022)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NCUB0000022 in your mobile or internet banking app, and the money is credited to the CHOKKAD BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chokkad Branch

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 NCUB0000022:

• 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 CHOKKAD BRANCH is still linked to IFSC NCUB0000022.

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 The Nilambur Cooperative Urban Bank Limited Nilambur's CHOKKAD BRANCH branch, the IFSC NCUB0000022 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 Chokkad Branch branch

Once you have an account at The Nilambur Cooperative Urban Bank Limited Nilambur – CHOKKAD BRANCH, the IFSC NCUB0000022 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 Chokkad 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 NCUB0000022

Digital banking channels

Most day-to-day work that customers used to do at the Chokkad 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 NCUB0000022 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 Chokkad Branch branch sits at BUILDING NO.156,PKG BUILDING,CHOKKAD POST,MALAPPURAM DIST - 679355. If you are travelling from outside Malappuram, search for the branch on a maps application using the bank name and locality, or call 261322 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 NCUB0000022 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 The Nilambur Cooperative Urban Bank Limited Nilambur – CHOKKAD BRANCH:

• The IFSC is exactly NCUB0000022 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Nilambur Cooperative Urban Bank Limited Nilambur as the bank name and CHOKKAD BRANCH 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.

Working hours

Branch counters at Chokkad 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 NCUB0000022 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NCUB0000022 for The Nilambur Cooperative Urban Bank Limited Nilambur – CHOKKAD BRANCH, 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

Frequently asked questions

Final notes

To recap: NCUB0000022 is the IFSC code of The Nilambur Cooperative Urban Bank Limited Nilambur, CHOKKAD 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.