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

Use this page as a one-stop reference for everything related to The Nilambur Cooperative Urban Bank Limited Nilambur's NILAMBUR MAIN BRANCH branch in MALAPPURAM, KERALA. The branch's IFSC code NCUB0000101 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Nilambur Cooperative Urban Bank Limited Nilambur – NILAMBUR MAIN BRANCH is NCUB0000101. The first four letters NCUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000101 map to this branch in MALAPPURAM, KERALA.

Branch details at a glance

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 Nilambur Main Branch branch — IFSC NCUB0000101 — extends the bank's services to customers in and around Malappuram, Kerala.

About this branch

The branch is located at P.B.NO.10,NILAMBUR MAIN ROAD,NILAMBUR. 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 NCUB0000101 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 NILAMBUR MAIN BRANCH branch came to be assigned the code NCUB0000101.

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 NCUB0000101, money simply cannot be routed to the NILAMBUR MAIN BRANCH branch electronically.

How to transfer money using IFSC NCUB0000101

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 NCUB0000101 across all three.

How to use IFSC NCUB0000101 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 NILAMBUR MAIN 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 NCUB0000101.
4. Confirm the bank name auto-populates as The Nilambur Cooperative Urban Bank Limited Nilambur and the branch as NILAMBUR MAIN 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 NCUB0000101

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 – NILAMBUR MAIN BRANCH, ensure your bank's portal accepts IFSC NCUB0000101 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 – NILAMBUR MAIN BRANCH, use IMPS. With IFSC NCUB0000101 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Nilambur Main 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 NCUB0000101:

• 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 NILAMBUR MAIN BRANCH is still linked to IFSC NCUB0000101.

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 NILAMBUR MAIN BRANCH branch, the IFSC NCUB0000101 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 Nilambur Main Branch branch

Once you have an account at The Nilambur Cooperative Urban Bank Limited Nilambur – NILAMBUR MAIN BRANCH, the IFSC NCUB0000101 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.

Banking services available

The Nilambur Main Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 220227.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC NCUB0000101

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 NCUB0000101 and the account number together uniquely identify the Nilambur Main Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC NCUB0000101

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 NILAMBUR MAIN 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 NCUB0000101 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.

Common mistakes to avoid when using IFSC NCUB0000101

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 – NILAMBUR MAIN 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: NCUB0000101.
• 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.

Reaching the branch

The Nilambur Main Branch branch sits at P.B.NO.10,NILAMBUR MAIN ROAD,NILAMBUR. If you are travelling from outside Malappuram, search for the branch on a maps application using the bank name and locality, or call 220227 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 NCUB0000101 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NCUB0000101 for The Nilambur Cooperative Urban Bank Limited Nilambur – NILAMBUR MAIN 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 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 Nilambur Main Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NCUB0000101, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: NCUB0000101 is the IFSC code of The Nilambur Cooperative Urban Bank Limited Nilambur, NILAMBUR MAIN 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.