Nilambur Co Operative Urban Bank Kalikavu Branch IFSC Code
Nilambur Co Operative Urban Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Kalikavu Branch
District
Kalikavu
State
Kerala
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Frequently Asked Questions
About Nilambur Co Operative Urban Bank Kalikavu Branch (kalikavu Junction Kalikavu P - 0003), Kalikavu
The IFSC code NCUB0000003 (lowercase: ncub0000003) belongs to Nilambur Co Operative Urban Bank, specifically the Kalikavu Branch (kalikavu Junction Kalikavu P - 0003) branch located in Kalikavu, Kerala.
The 5th character in the IFSC code NCUB0000003 is a zero (0), not the letter 'O'. The correct format is NCUB0000003 (lowercase: ncub0000003), and not NCUBO000003. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Nilambur Co Operative Urban Bank Kalikavu Branch (kalikavu Junction Kalikavu P - 0003) in Kalikavu, Kerala is NCUB0000003. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Nilambur Co Operative Urban Bank Kalikavu Branch (kalikavu Junction Kalikavu P - 0003) is located at Kalikavu Junction,kalikavu P.o.pin 676525, Kalikavu, Kerala. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Nilambur Co Operative Urban Bank Kalikavu Branch (kalikavu Junction Kalikavu P - 0003) is 679792104. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code NCUB0000003 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code NCUB0000003 by checking: (1) The top-left corner of any Nilambur Co Operative Urban Bank Kalikavu Branch (kalikavu Junction Kalikavu P - 0003) cheque leaf, (2) The first page of your Nilambur Co Operative Urban Bank passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: NCUB0000003
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
NCUB0000003
What Each Part Means
- Bank Code — NCUB
- The first 4 characters uniquely identify Nilambur Co Operative Urban Bank at the national level. Every branch of Nilambur Co Operative Urban Bank across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — 000003
- The final 6 characters 000003 uniquely identify this specific branch within the Nilambur Co Operative Urban Bank network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | NCUB | Identifies Nilambur Co Operative Urban Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | 000003 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Nilambur Co Operative Urban Bank
Kalikavu Branch (kalikavu Junction Kalikavu P - 0003), Kalikavu, Kerala
Cheque No.
00000003
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | NCUB0000003 | 679792104 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.