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

Use this page as a one-stop reference for everything related to The Nilambur Cooperative Urban Bank Limited Nilambur's WANDOOR MAIN BRANCH branch in MALAPPURAM, KERALA. The branch's IFSC code NCUB0000002 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 – WANDOOR MAIN BRANCH is NCUB0000002. The first four letters NCUB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000002 map to this branch in MALAPPURAM, KERALA.

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 Wandoor Main Branch branch — IFSC NCUB0000002 — extends the bank's services to customers in and around Malappuram, Kerala.

About this branch

The branch is located at NILAMBUR ROAD,P.O.WANDOOR,PIN 679328. 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 NCUB0000002 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 WANDOOR MAIN BRANCH branch came to be assigned the code NCUB0000002.

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 NCUB0000002, money simply cannot be routed to the WANDOOR MAIN BRANCH branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Wandoor Main Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC NCUB0000002 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC NCUB0000002

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 NCUB0000002 across all three.

How to use IFSC NCUB0000002 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 WANDOOR 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 NCUB0000002.
4. Confirm the bank name auto-populates as The Nilambur Cooperative Urban Bank Limited Nilambur and the branch as WANDOOR 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 NCUB0000002

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 – WANDOOR MAIN BRANCH, ensure your bank's portal accepts IFSC NCUB0000002 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Nilambur Cooperative Urban Bank Limited Nilambur WANDOOR MAIN BRANCH (IFSC NCUB0000002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC NCUB0000002 in your mobile or internet banking app, and the money is credited to the WANDOOR MAIN BRANCH branch account within seconds.

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

All three modes accept the IFSC NCUB0000002 for The Nilambur Cooperative Urban Bank Limited Nilambur – WANDOOR MAIN 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 Wandoor Main 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 NCUB0000002

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 – WANDOOR MAIN BRANCH is still mapped to IFSC NCUB0000002. 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 NCUB0000002 and the beneficiary's account number to complete the transfer.

Account types you can open at the Wandoor Main Branch branch

Once you have an account at The Nilambur Cooperative Urban Bank Limited Nilambur – WANDOOR MAIN BRANCH, the IFSC NCUB0000002 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 Wandoor Main Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 247051.

• 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 NCUB0000002

Digital banking channels

Most day-to-day work that customers used to do at the Wandoor Main 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 NCUB0000002 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.

How to reach the Wandoor Main Branch branch

The branch is located at NILAMBUR ROAD,P.O.WANDOOR,PIN 679328, which puts it inside Malappuram, the broader Wandoor 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 Wandoor Main Branch branch” — the verified location pin for IFSC NCUB0000002 should appear at the top of the results.
2. Confirm the branch is open by calling 247051 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 NCUB0000002 and your account number.

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 – WANDOOR MAIN BRANCH:

• The IFSC is exactly NCUB0000002 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 WANDOOR MAIN 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.

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 Wandoor Main Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC NCUB0000002, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC NCUB0000002 for The Nilambur Cooperative Urban Bank Limited Nilambur – WANDOOR 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 address & contact

Frequently asked questions

Summary

The IFSC code NCUB0000002 belongs to The Nilambur Cooperative Urban Bank Limited Nilambur's WANDOOR MAIN BRANCH branch, located at NILAMBUR ROAD,P.O.WANDOOR,PIN 679328 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.