IFSC Code of CSB Bank Limited, Kadukutty Branch, Kerala

Use this page as a one-stop reference for everything related to CSB Bank Limited's KADUKUTTY branch in KADUKUTTY, KERALA. The branch's IFSC code CSBK0000028 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For CSB Bank Limited's KADUKUTTY branch, the IFSC CSBK0000028 breaks down as follows: CSBK identifies the bank, 0 is the reserved character, and 000028 identifies this particular branch.

Branch details at a glance

About the bank

CSB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kadukutty branch in Kadukutty, Kerala is part of this network and uses the IFSC code CSBK0000028 for all electronic settlement.

About this branch

The branch is located at ST XAVIER BUILDING,KADUKUTTY P O,THRISSUR,KERALA 680309. It serves the Kadukutty 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 CSBK0000028 is used to identify this branch on the RBI payments network.

Why every CSB Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KADUKUTTY of CSB Bank Limited — its own 11-character IFSC. The code CSBK0000028 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC CSBK0000028 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CSBK0000028

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 CSBK0000028 across all three.

NEFT to CSB Bank Limited, KADUKUTTY using IFSC CSBK0000028

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC CSBK0000028, and confirm that the system picks up CSB Bank Limited – KADUKUTTY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KADUKUTTY

If you need to transfer ₹2 lakh or more in one go to an account at CSB Bank Limited's KADUKUTTY branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CSBK0000028 while initiating the transfer and the credit will appear within minutes.

IMPS to CSB Bank Limited KADUKUTTY (IFSC CSBK0000028)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CSBK0000028 in your mobile or internet banking app, and the money is credited to the KADUKUTTY branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kadukutty

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 CSBK0000028:

• 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 KADUKUTTY is still linked to IFSC CSBK0000028.

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 CSBK0000028

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 – KADUKUTTY is still mapped to IFSC CSBK0000028. 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 CSBK0000028 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kadukutty branch is mapped to IFSC CSBK0000028 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 CSBK0000028.

Products and services

Customers walking into the Kadukutty branch can access most of CSB Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC CSBK0000028

MICR & cheque-truncation details

Cheques drawn on the Kadukutty branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CSBK0000028 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Kadukutty 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 CSBK0000028 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.

Common mistakes to avoid when using IFSC CSBK0000028

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 – KADUKUTTY, 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: CSBK0000028.
• 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.

How to reach the Kadukutty branch

The branch is located at ST XAVIER BUILDING,KADUKUTTY P O,THRISSUR,KERALA 680309, which puts it inside Kadukutty, the broader Thrissur district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “CSB Bank Limited Kadukutty branch” — the verified location pin for IFSC CSBK0000028 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9072601028 before stepping out, especially around public holidays.
3. 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 CSBK0000028 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CSBK0000028 for CSB Bank Limited – KADUKUTTY, 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.

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 Kadukutty branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CSBK0000028, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CSBK0000028 is the IFSC code of CSB Bank Limited, KADUKUTTY branch, in KADUKUTTY, 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.