Nilambur Co-operative Urban Bank — KARULAI BRANCH Branch

How to Use NCUB0000012 for Money Transfers

The IFSC code NCUB0000012 is specifically assigned to the KARULAI BRANCH branch of Nilambur Co-operative Urban Bank located in MALAPPURAM, KERALA. This unique code is mandatory for routing electronic payments correctly within India.

NEFT Transfer

Use NCUB0000012 when adding this branch as a beneficiary in NEFT transactions. NEFT operates in half-hourly batches from 12:30 AM to 12:00 AM on all days. Enter the IFSC, account number, and account holder name carefully to ensure successful transfer.

RTGS Transfer

For high-value transactions above ₹2 lakh, RTGS offers real-time gross settlement. Use NCUB0000012 along with the beneficiary's exact account number. RTGS is available on working days from 7:00 AM to 6:00 PM.

IMPS & UPI

IMPS and UPI allow instant 24×7 transfers. While UPI apps often auto-resolve the IFSC from the VPA, mobile banking apps require NCUB0000012 when registering a new beneficiary.

Always double-check the account number before confirming any transfer — the IFSC routes funds to the correct branch, but the account number specifies the exact recipient.

About Nilambur Co-operative Urban Bank KARULAI BRANCH Branch

The KARULAI BRANCH branch of Nilambur Co-operative Urban Bank is situated in MALAPPURAM, KERALA. The branch address is KARULAI P.O.PIN 679344. This branch supports electronic payment services including NEFT, RTGS, IMPS. You can contact this branch at +914931270501. Always use the IFSC code NCUB0000012 when making any online fund transfer to an account held at this branch.