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

Below are the complete branch details for The Nilambur Cooperative Urban Bank Limited Nilambur, THIRUVALI BRANCH branch, located in MALAPPURAM, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is NCUB0000019. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case NCUB0000019 for The Nilambur Cooperative Urban Bank Limited Nilambur – THIRUVALI BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, NCUB0000019 is the IFSC of The Nilambur Cooperative Urban Bank Limited Nilambur's THIRUVALI BRANCH branch. The format is fixed: NCUB = bank code, 0 = reserved, 000019 = 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 Thiruvali Branch branch — IFSC NCUB0000019 — extends the bank's services to customers in and around Malappuram, Kerala.

Branch details at a glance

Thiruvali Branch branch overview

Located at BUILDING NO.558 A,SREERAGAM BUILDINGWARD NO.12,THIRUVALI POST,MALAPPURAM DIST - 676123, the Thiruvali Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC NCUB0000019 is required for all interbank electronic transfers routed through this branch.

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 THIRUVALI BRANCH branch came to be assigned the code NCUB0000019.

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 NCUB0000019, money simply cannot be routed to the THIRUVALI BRANCH branch electronically.

Products and account variants supported

Every account opened at the Thiruvali Branch branch is mapped to IFSC NCUB0000019 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 NCUB0000019.

Products and services

Customers walking into the Thiruvali 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 NCUB0000019

How to transfer money using IFSC NCUB0000019

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 NCUB0000019 across all three.

NEFT to The Nilambur Cooperative Urban Bank Limited Nilambur, THIRUVALI BRANCH using IFSC NCUB0000019

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 NCUB0000019, and confirm that the system picks up The Nilambur Cooperative Urban Bank Limited Nilambur – THIRUVALI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THIRUVALI 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 THIRUVALI BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NCUB0000019 while initiating the transfer and the credit will appear within minutes.

IMPS to The Nilambur Cooperative Urban Bank Limited Nilambur THIRUVALI BRANCH (IFSC NCUB0000019)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NCUB0000019 in your mobile or internet banking app, and the money is credited to the THIRUVALI BRANCH branch account within seconds.

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

All three modes accept the IFSC NCUB0000019 for The Nilambur Cooperative Urban Bank Limited Nilambur – THIRUVALI 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 Thiruvali 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 THIRUVALI BRANCH branch, the IFSC NCUB0000019 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.

Digital banking channels

Most day-to-day work that customers used to do at the Thiruvali 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 NCUB0000019 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.

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 NCUB0000019 and the account number together uniquely identify the Thiruvali 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 – THIRUVALI BRANCH:

• The IFSC is exactly NCUB0000019 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 THIRUVALI 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 Thiruvali Branch branch sits at BUILDING NO.558 A,SREERAGAM BUILDINGWARD NO.12,THIRUVALI POST,MALAPPURAM DIST - 676123. If you are travelling from outside Malappuram, search for the branch on a maps application using the bank name and locality, or call 2720023 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 NCUB0000019 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NCUB0000019 for The Nilambur Cooperative Urban Bank Limited Nilambur – THIRUVALI 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 Thiruvali Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NCUB0000019, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: NCUB0000019 is the IFSC code of The Nilambur Cooperative Urban Bank Limited Nilambur, THIRUVALI 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.