IFSC Code of CSB Bank Limited, Chungathara Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for CSB Bank Limited, CHUNGATHARA branch in CHUNGATHARA. The 11-digit IFSC CSBK0000109 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 CHUNGATHARA 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, CSBK0000109 is the IFSC of CSB Bank Limited's CHUNGATHARA branch. The format is fixed: CSBK = bank code, 0 = reserved, 000109 = branch identifier.

About the bank

CSB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chungathara branch in Chungathara, Kerala is part of this network and uses the IFSC code CSBK0000109 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at P O CHUNGATHARA,NILAMBUR TALUK,MALAPPURAM DT 679334. It serves the Chungathara region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of CSB Bank Limited. The IFSC CSBK0000109 is used to identify this branch on the RBI payments network.

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 CHUNGATHARA branch came to be assigned the code CSBK0000109.

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 CSBK0000109, money simply cannot be routed to the CHUNGATHARA branch electronically.

Products and account variants supported

Every account opened at the Chungathara branch is mapped to IFSC CSBK0000109 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 CSBK0000109.

Banking services available

The Chungathara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9072601109.

• 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 CSBK0000109

How to transfer money using IFSC CSBK0000109

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 CSBK0000109 across all three.

How to use IFSC CSBK0000109 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's CHUNGATHARA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CSBK0000109.
4. Confirm the bank name auto-populates as CSB Bank Limited and the branch as CHUNGATHARA.
5. 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 CHUNGATHARA

If you need to transfer ₹2 lakh or more in one go to an account at CSB Bank Limited's CHUNGATHARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CSBK0000109 while initiating the transfer and the credit will appear within minutes.

IMPS to CSB Bank Limited CHUNGATHARA (IFSC CSBK0000109)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CSBK0000109 in your mobile or internet banking app, and the money is credited to the CHUNGATHARA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chungathara

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC CSBK0000109:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHUNGATHARA is still linked to IFSC CSBK0000109.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC CSBK0000109

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 – CHUNGATHARA is still mapped to IFSC CSBK0000109. 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 CSBK0000109 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CSBK0000109

CSB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the CHUNGATHARA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC CSBK0000109 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR & cheque-truncation details

Cheques drawn on the Chungathara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CSBK0000109 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC CSBK0000109

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to CSB Bank Limited – CHUNGATHARA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: CSBK0000109.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Chungathara branch sits at P O CHUNGATHARA,NILAMBUR TALUK,MALAPPURAM DT 679334. If you are travelling from outside Chungathara, search for the branch on a maps application using the bank name and locality, or call 91-9072601109 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC CSBK0000109 and your account number.

Verifying IFSC CSBK0000109 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm CSBK0000109 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9072601109.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chungathara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CSBK0000109, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CSBK0000109 belongs to CSB Bank Limited's CHUNGATHARA branch, located at P O CHUNGATHARA,NILAMBUR TALUK,MALAPPURAM DT 679334 in CHUNGATHARA, KERALA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.