This page lists the IFSC code, branch address, contact number and fund-transfer information for CSB Bank Limited, AREEKODE branch in AREEKODE. The 11-digit IFSC CSBK0000489 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with CSB Bank Limited at the AREEKODE location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
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 CSB Bank Limited – AREEKODE is CSBK0000489. The first four letters CSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000489 map to this branch in AREEKODE, KERALA.
Bank profile
CSB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Areekode branch — IFSC CSBK0000489 — extends the bank's services to customers in and around Areekode, Kerala.
Branch details at a glance
| Bank Name | CSB Bank Limited |
|---|---|
| Branch | Areekode |
| IFSC Code | CSBK0000489 |
| MICR Code | Refer to cheque leaf |
| Branch Address | FIRST FLOOR ,NEW BUSSTAND BUILDING,VAZHAKKADE ROAD JUNCTION,AREECODE,PO AREECODE,MALAPPURAM |
| City | Areekode |
| District | Malappuram |
| State | Kerala |
| STD Code | 91 |
| Phone | 9072657489 |
About the Areekode branch
The Areekode branch of CSB Bank Limited is situated at FIRST FLOOR ,NEW BUSSTAND BUILDING,VAZHAKKADE ROAD JUNCTION,AREECODE,PO AREECODE,MALAPPURAM. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CSBK0000489 is used.
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 CSB Bank Limited's AREEKODE branch came to be assigned the code CSBK0000489.
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 CSBK0000489, money simply cannot be routed to the AREEKODE branch electronically.
Products and account variants supported
Every account opened at the Areekode branch is mapped to IFSC CSBK0000489 on the RBI payments network. The branch generally supports the full retail product catalogue of CSB Bank Limited, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains CSBK0000489.
Banking services available
The Areekode branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9072657489.
- 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 CSBK0000489
How to transfer money using IFSC CSBK0000489
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 CSBK0000489 across all three.
How to use IFSC CSBK0000489 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's AREEKODE 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CSBK0000489.
- Confirm the bank name auto-populates as CSB Bank Limited and the branch as AREEKODE.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to AREEKODE
If you need to transfer ₹2 lakh or more in one go to an account at CSB Bank Limited's AREEKODE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CSBK0000489 while initiating the transfer and the credit will appear within minutes.
IMPS to CSB Bank Limited AREEKODE (IFSC CSBK0000489)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CSBK0000489 in your mobile or internet banking app, and the money is credited to the AREEKODE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CSBK0000489 for CSB Bank Limited – AREEKODE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CSBK0000489 | Yes – CSBK0000489 | Yes – CSBK0000489 |
For most retail customers crediting the Areekode 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 CSBK0000489
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 CSB Bank Limited – AREEKODE is still mapped to IFSC CSBK0000489. 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 CSBK0000489 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Areekode 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 CSBK0000489 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.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by CSB Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CSBK0000489 and the account number together uniquely identify the Areekode branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 CSB Bank Limited – AREEKODE:
- The IFSC is exactly CSBK0000489 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills CSB Bank Limited as the bank name and AREEKODE 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.
How to reach the Areekode branch
The branch is located at FIRST FLOOR ,NEW BUSSTAND BUILDING,VAZHAKKADE ROAD JUNCTION,AREECODE,PO AREECODE,MALAPPURAM, which puts it inside Areekode, the broader Malappuram district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “CSB Bank Limited Areekode branch” — the verified location pin for IFSC CSBK0000489 should appear at the top of the results.
- Confirm the branch is open by calling 91-9072657489 before stepping out, especially around public holidays.
- 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 CSBK0000489 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CSBK0000489 for CSB Bank Limited – AREEKODE, 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.
Working hours
Branch counters at Areekode are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to CSBK0000489 continue to work without interruption.
Branch address & contact
CSB Bank LimitedAreekode Branch
FIRST FLOOR ,NEW BUSSTAND BUILDING,VAZHAKKADE ROAD JUNCTION,AREECODE,PO AREECODE,MALAPPURAM
Areekode, Kerala
Phone: 91-9072657489
IFSC: CSBK0000489
Frequently asked questions
Where is CSB Bank Limited Areekode branch located?
CSB Bank Limited's Areekode branch is located at FIRST FLOOR ,NEW BUSSTAND BUILDING,VAZHAKKADE ROAD JUNCTION,AREECODE,PO AREECODE,MALAPPURAM, Areekode, Kerala.
Is IFSC CSBK0000489 the same for all accounts at Areekode branch?
Yes. The IFSC CSBK0000489 is shared by every account held at CSB Bank Limited's Areekode branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CSBK0000489 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to CSB Bank Limited – Areekode reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Areekode branch but serve different purposes.
Is IFSC CSBK0000489 valid for NEFT and RTGS?
Yes. IFSC CSBK0000489 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add CSB Bank Limited Areekode as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CSBK0000489, and complete OTP verification. Once activated, you can transfer funds at any time.
Does CSB Bank Limited Areekode branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9072657489 to confirm.
Final notes
To recap: CSBK0000489 is the IFSC code of CSB Bank Limited, AREEKODE branch, in AREEKODE, KERALA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
