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

If you are searching for the IFSC code of The Nilambur Cooperative Urban Bank Limited Nilambur, EDAVANNA BRANCH branch in MALAPPURAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is NCUB0000010. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the EDAVANNA BRANCH branch, and detailed step-by-step guides for using the IFSC NCUB0000010 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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, NCUB0000010 is the IFSC of The Nilambur Cooperative Urban Bank Limited Nilambur's EDAVANNA BRANCH branch. The format is fixed: NCUB = bank code, 0 = reserved, 000010 = 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 Edavanna Branch branch — IFSC NCUB0000010 — extends the bank's services to customers in and around Malappuram, Kerala.

Branch details at a glance

About this branch

The branch is located at MANJERI ROAD,P.O.EDAVANNA,PIN 676541. It serves the Malappuram region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The Nilambur Cooperative Urban Bank Limited Nilambur. The IFSC NCUB0000010 is used to identify this branch on the RBI payments network.

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 EDAVANNA BRANCH of The Nilambur Cooperative Urban Bank Limited Nilambur — its own 11-character IFSC. The code NCUB0000010 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 NCUB0000010 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Edavanna Branch branch is mapped to IFSC NCUB0000010 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 NCUB0000010.

Products and services

Customers walking into the Edavanna 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 NCUB0000010

How to transfer money using IFSC NCUB0000010

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 NCUB0000010 across all three.

How to use IFSC NCUB0000010 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 EDAVANNA 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 NCUB0000010.
4. Confirm the bank name auto-populates as The Nilambur Cooperative Urban Bank Limited Nilambur and the branch as EDAVANNA 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 EDAVANNA 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 EDAVANNA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NCUB0000010 while initiating the transfer and the credit will appear within minutes.

IMPS to The Nilambur Cooperative Urban Bank Limited Nilambur EDAVANNA BRANCH (IFSC NCUB0000010)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NCUB0000010 in your mobile or internet banking app, and the money is credited to the EDAVANNA BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Edavanna 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 NCUB0000010:

• 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 EDAVANNA BRANCH is still linked to IFSC NCUB0000010.

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 EDAVANNA BRANCH branch, the IFSC NCUB0000010 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 NCUB0000010

The Nilambur Cooperative Urban Bank Limited Nilambur customers can register for net banking and the bank's official mobile app once their account at the EDAVANNA BRANCH 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 NCUB0000010 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 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 NCUB0000010 and the account number together uniquely identify the Edavanna Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC NCUB0000010

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 – EDAVANNA 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: NCUB0000010.
• 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.

How to reach the Edavanna Branch branch

The branch is located at MANJERI ROAD,P.O.EDAVANNA,PIN 676541, which puts it inside Malappuram, the broader Edavanna district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “The Nilambur Cooperative Urban Bank Limited Nilambur Edavanna Branch branch” — the verified location pin for IFSC NCUB0000010 should appear at the top of the results.
2. Confirm the branch is open by calling 2700743 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 NCUB0000010 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NCUB0000010 for The Nilambur Cooperative Urban Bank Limited Nilambur – EDAVANNA 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.

Working hours

Branch counters at Edavanna 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 NCUB0000010 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: NCUB0000010 is the IFSC code of The Nilambur Cooperative Urban Bank Limited Nilambur, EDAVANNA 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.