IFSC Code of The Nilambur Cooperative Urban Bank Limited Nilambur, Kalikavu 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, KALIKAVU BRANCH branch in MALAPPURAM. The 11-digit IFSC NCUB0000003 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 KALIKAVU 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.

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, NCUB0000003 is the IFSC of The Nilambur Cooperative Urban Bank Limited Nilambur's KALIKAVU BRANCH branch. The format is fixed: NCUB = bank code, 0 = reserved, 000003 = branch identifier.

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 Kalikavu Branch branch in Malappuram, Kerala is part of this network and uses the IFSC code NCUB0000003 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at KALIKAVU JUNCTION,KALIKAVU P.O.PIN 676525. 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 NCUB0000003 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 KALIKAVU BRANCH of The Nilambur Cooperative Urban Bank Limited Nilambur — its own 11-character IFSC. The code NCUB0000003 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 NCUB0000003 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Kalikavu Branch branch

Once you have an account at The Nilambur Cooperative Urban Bank Limited Nilambur – KALIKAVU BRANCH, the IFSC NCUB0000003 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 Kalikavu 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 NCUB0000003

How to transfer money using IFSC NCUB0000003

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 NCUB0000003 across all three.

NEFT to The Nilambur Cooperative Urban Bank Limited Nilambur, KALIKAVU BRANCH using IFSC NCUB0000003

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 NCUB0000003, and confirm that the system picks up The Nilambur Cooperative Urban Bank Limited Nilambur – KALIKAVU BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC NCUB0000003

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 – KALIKAVU BRANCH, ensure your bank's portal accepts IFSC NCUB0000003 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Nilambur Cooperative Urban Bank Limited Nilambur KALIKAVU BRANCH (IFSC NCUB0000003)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NCUB0000003 in your mobile or internet banking app, and the money is credited to the KALIKAVU BRANCH branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC NCUB0000003 for The Nilambur Cooperative Urban Bank Limited Nilambur – KALIKAVU 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 Kalikavu 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.

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 KALIKAVU BRANCH branch, the IFSC NCUB0000003 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 NCUB0000003

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 KALIKAVU 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 NCUB0000003 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 NCUB0000003 and the account number together uniquely identify the Kalikavu Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – KALIKAVU BRANCH:

• The IFSC is exactly NCUB0000003 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 KALIKAVU 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.

Reaching the branch

The Kalikavu Branch branch sits at KALIKAVU JUNCTION,KALIKAVU P.O.PIN 676525. If you are travelling from outside Malappuram, search for the branch on a maps application using the bank name and locality, or call 257252 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 NCUB0000003 and your account number.

Verifying IFSC NCUB0000003 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 NCUB0000003 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 257252.
• 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 Kalikavu Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NCUB0000003, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NCUB0000003 belongs to The Nilambur Cooperative Urban Bank Limited Nilambur's KALIKAVU BRANCH branch, located at KALIKAVU JUNCTION,KALIKAVU P.O.PIN 676525 in MALAPPURAM, KERALA. 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.