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

Use this page as a one-stop reference for everything related to The Nilambur Cooperative Urban Bank Limited Nilambur's VANIYAMBALAM BRANCH branch in MALAPPURAM, KERALA. The branch's IFSC code NCUB0000025 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 – VANIYAMBALAM BRANCH is NCUB0000025. The first four letters NCUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000025 map to this branch in MALAPPURAM, KERALA.

Branch details at a glance

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 Vaniyambalam Branch branch in Malappuram, Kerala is part of this network and uses the IFSC code NCUB0000025 for all electronic settlement.

Vaniyambalam Branch branch overview

Located at ALSALAMA BUILDING,VANIYAMBALAM PO,PIN 679339,PHONE 04931-235025, the Vaniyambalam 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 NCUB0000025 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 VANIYAMBALAM BRANCH branch came to be assigned the code NCUB0000025.

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 NCUB0000025, money simply cannot be routed to the VANIYAMBALAM BRANCH branch electronically.

How to transfer money using IFSC NCUB0000025

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 NCUB0000025 across all three.

NEFT to The Nilambur Cooperative Urban Bank Limited Nilambur, VANIYAMBALAM BRANCH using IFSC NCUB0000025

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 NCUB0000025, and confirm that the system picks up The Nilambur Cooperative Urban Bank Limited Nilambur – VANIYAMBALAM 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 VANIYAMBALAM 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 VANIYAMBALAM BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC NCUB0000025 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 – VANIYAMBALAM BRANCH, use IMPS. With IFSC NCUB0000025 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 NCUB0000025 for The Nilambur Cooperative Urban Bank Limited Nilambur – VANIYAMBALAM 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 Vaniyambalam 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.

UPI payments and IFSC NCUB0000025

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Nilambur Cooperative Urban Bank Limited Nilambur – VANIYAMBALAM BRANCH is still mapped to IFSC NCUB0000025. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC NCUB0000025 and the beneficiary's account number to complete the transfer.

Account types you can open at the Vaniyambalam Branch branch

Once you have an account at The Nilambur Cooperative Urban Bank Limited Nilambur – VANIYAMBALAM BRANCH, the IFSC NCUB0000025 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 Vaniyambalam Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 235025.

• 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 NCUB0000025

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 NCUB0000025 and the account number together uniquely identify the Vaniyambalam Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Vaniyambalam 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 NCUB0000025 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.

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 – VANIYAMBALAM BRANCH:

• The IFSC is exactly NCUB0000025 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 VANIYAMBALAM 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 Vaniyambalam Branch branch

The branch is located at ALSALAMA BUILDING,VANIYAMBALAM PO,PIN 679339,PHONE 04931-235025, which puts it inside Malappuram, the broader Vaniyambalam 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 Vaniyambalam Branch branch” — the verified location pin for IFSC NCUB0000025 should appear at the top of the results.
2. Confirm the branch is open by calling 235025 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 NCUB0000025 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NCUB0000025 for The Nilambur Cooperative Urban Bank Limited Nilambur – VANIYAMBALAM 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 Vaniyambalam Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NCUB0000025, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: NCUB0000025 is the IFSC code of The Nilambur Cooperative Urban Bank Limited Nilambur, VANIYAMBALAM 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.