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

Use this page as a one-stop reference for everything related to The Nilambur Cooperative Urban Bank Limited Nilambur's KARUVARAKUNDU EVENING BRANCH branch in MALAPPURAM, KERALA. The branch's IFSC code NCUB0000020 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, NCUB0000020 is the IFSC of The Nilambur Cooperative Urban Bank Limited Nilambur's KARUVARAKUNDU EVENING BRANCH branch. The format is fixed: NCUB = bank code, 0 = reserved, 000020 = 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 Karuvarakundu Evening Branch branch — IFSC NCUB0000020 — 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 BUILDING NO.1036,MARANATTU PLACEWARD NO.10,KIZHAKKETHALA POST,MALAPPURAM DIST - 676523. 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 NCUB0000020 is used to identify this branch on the RBI payments network.

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 The Nilambur Cooperative Urban Bank Limited Nilambur's KARUVARAKUNDU EVENING BRANCH branch came to be assigned the code NCUB0000020.

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 NCUB0000020, money simply cannot be routed to the KARUVARAKUNDU EVENING BRANCH branch electronically.

Account types you can open at the Karuvarakundu Evening Branch branch

Once you have an account at The Nilambur Cooperative Urban Bank Limited Nilambur – KARUVARAKUNDU EVENING BRANCH, the IFSC NCUB0000020 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 Karuvarakundu Evening 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 NCUB0000020

How to transfer money using IFSC NCUB0000020

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 NCUB0000020 across all three.

How to use IFSC NCUB0000020 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 KARUVARAKUNDU EVENING 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 NCUB0000020.
4. Confirm the bank name auto-populates as The Nilambur Cooperative Urban Bank Limited Nilambur and the branch as KARUVARAKUNDU EVENING 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 KARUVARAKUNDU EVENING 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 KARUVARAKUNDU EVENING BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NCUB0000020 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Nilambur Cooperative Urban Bank Limited Nilambur – KARUVARAKUNDU EVENING BRANCH, use IMPS. With IFSC NCUB0000020 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 NCUB0000020 for The Nilambur Cooperative Urban Bank Limited Nilambur – KARUVARAKUNDU EVENING 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 Karuvarakundu Evening 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 KARUVARAKUNDU EVENING BRANCH branch, the IFSC NCUB0000020 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 NCUB0000020

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 KARUVARAKUNDU EVENING 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 NCUB0000020 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 & cheque-truncation details

Cheques drawn on the Karuvarakundu Evening Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NCUB0000020 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KARUVARAKUNDU EVENING BRANCH:

• The IFSC is exactly NCUB0000020 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 KARUVARAKUNDU EVENING 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.

How to reach the Karuvarakundu Evening Branch branch

The branch is located at BUILDING NO.1036,MARANATTU PLACEWARD NO.10,KIZHAKKETHALA POST,MALAPPURAM DIST - 676523, which puts it inside Malappuram, the broader Karuvarakundu 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 Karuvarakundu Evening Branch branch” — the verified location pin for IFSC NCUB0000020 should appear at the top of the results.
2. Confirm the branch is open by calling 282270 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 NCUB0000020 and your account number.

Verifying IFSC NCUB0000020 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 NCUB0000020 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 282270.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Karuvarakundu Evening 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 NCUB0000020 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code NCUB0000020 belongs to The Nilambur Cooperative Urban Bank Limited Nilambur's KARUVARAKUNDU EVENING BRANCH branch, located at BUILDING NO.1036,MARANATTU PLACEWARD NO.10,KIZHAKKETHALA POST,MALAPPURAM DIST… 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.