City Union Bank
MELAKOTTAIYUR BRANCH
+919362990458
Related Branches
Understanding IFSC Code: The Digital DNA of City Union Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the MELAKOTTAIYUR
branch of City Union Bank, the code CIUB0000396 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the CIUB0000396 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"CIUB" represents City Union Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for MELAKOTTAIYUR
Payment Systems Supported by CIUB0000396
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—600054071—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The City Union Bank in MELAKOTTAIYUR typically follows the RBI holiday calendar. Digital transfers via CIUB0000396 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While CIUB0000396 is the valid code for MELAKOTTAIYUR at MELAKOTTAIYUR, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
- • City Union Bank Branch List
- • MELAKOTTAIYUR IFSC Codes
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Financial Tools
- • GST Calculator Online
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Branch Context
- • MELAKOTTAIYUR Contact
- • Address of City Union Bank
- • MICR Code Finder
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Platform Links
- • Anand Design DevBox
- • SEO Performance Hub
- • Webmaster Tools
- • IFSC Finder v2.0
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