City Union Bank (CUB) IFSC Code — Complete Guide
City Union Bank is one of India's oldest private sector banks, founded in 1904 in Kumbakonam, Tamil Nadu. With 750+ branches predominantly in Tamil Nadu and southern states, CUB is known for its conservative lending practices, strong MSME financing, and exceptional asset quality. It has been consistently profitable and is known as one of the best-managed small private banks in India.
How to Find CUB IFSC Code
- Use the search tool above — select state, district and branch
- Check your CUB cheque book — IFSC printed at top of every leaf
- Open your CUB passbook — front page shows IFSC code
- Log in to CUB net banking → Account Details
Using CUB IFSC for Transfers
- NEFT: Enter IFSC when adding beneficiary. Settled in 30 minutes.
- RTGS: For transfers above ₹2 lakh. Settled in real time.
- IMPS: 24×7 instant transfers up to ₹5 lakh.
- International: Use SWIFT code CIUBINBB (not IFSC) for overseas transfers.
NEFT, RTGS and IMPS Timings
- NEFT: Available 24×7 including weekends. Settled in 30-minute batches. No minimum amount.
- RTGS: Available 24×7. Minimum ₹2 lakh. Real-time gross settlement.
- IMPS: Instant 24×7. Up to ₹5 lakh per transaction. Credited immediately.
Difference Between IFSC and MICR Code
IFSC (11 alphanumeric characters) is used for online transfers — NEFT, RTGS, IMPS. MICR (9 numeric digits) is printed at the bottom of cheques using magnetic ink for cheque clearing. IFSC is for digital transfers; MICR is for paper cheques. Both are branch-specific and unique per branch.
How to Verify an IFSC Code
Always verify IFSC codes before initiating transfers, especially for large amounts. Use the search tool above to cross-check any IFSC against the official database. An IFSC code should be exactly 11 characters, start with 4 letters (bank code), have a 0 as the 5th character, and end with 6 alphanumeric characters.