IFSC Code of CSB Bank Limited, Kalikavu Branch, Kerala

If you are searching for the IFSC code of CSB Bank Limited, KALIKAVU branch in KALIKAVU, KERALA, this page has every detail you need. The verified IFSC code for this branch is CSBK0001256. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the KALIKAVU branch, and detailed step-by-step guides for using the IFSC CSBK0001256 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 KALIKAVU branch, the IFSC CSBK0001256 breaks down as follows: CSBK identifies the bank, 0 is the reserved character, and 001256 identifies this particular branch.

Bank profile

CSB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalikavu branch — IFSC CSBK0001256 — extends the bank's services to customers in and around Kalikavu, Kerala.

Kalikavu branch overview

Located at GROUND FLOOR, NAMIYA ARCADE, KALIKAVU ANGADI, KALIKAVU PO, MALAPURAM, KERALA 676525, the Kalikavu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CSBK0001256 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 KALIKAVU branch came to be assigned the code CSBK0001256.

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 CSBK0001256, money simply cannot be routed to the KALIKAVU branch electronically.

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 CSBK0001256 and the account number together uniquely identify the Kalikavu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CSBK0001256

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 CSBK0001256 across all three.

How to use IFSC CSBK0001256 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's KALIKAVU 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 CSBK0001256.
4. Confirm the bank name auto-populates as CSB Bank Limited and the branch as KALIKAVU.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CSBK0001256

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to CSB Bank Limited – KALIKAVU, ensure your bank's portal accepts IFSC CSBK0001256 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to CSB Bank Limited – KALIKAVU, use IMPS. With IFSC CSBK0001256 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CSBK0001256 for CSB Bank Limited – KALIKAVU, 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.

For most retail customers crediting the Kalikavu 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at CSB Bank Limited's KALIKAVU branch, the IFSC CSBK0001256 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Kalikavu branch

Once you have an account at CSB Bank Limited – KALIKAVU, the IFSC CSBK0001256 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Kalikavu 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 CSBK0001256

Online banking and IFSC CSBK0001256

CSB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KALIKAVU 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 CSBK0001256 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.

Reaching the branch

The Kalikavu branch sits at GROUND FLOOR, NAMIYA ARCADE, KALIKAVU ANGADI, KALIKAVU PO, MALAPURAM, KERALA 676525. If you are travelling from outside Kalikavu, search for the branch on a maps application using the bank name and locality, or call 91-9072611256 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 CSBK0001256 and your account number.

Common mistakes to avoid when using IFSC CSBK0001256

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 – KALIKAVU, 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: CSBK0001256.
• 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.

Working hours

Branch counters at Kalikavu 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 CSBK0001256 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CSBK0001256 for CSB Bank Limited – KALIKAVU, 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 address & contact

Frequently asked questions

Final notes

To recap: CSBK0001256 is the IFSC code of CSB Bank Limited, KALIKAVU branch, in KALIKAVU, 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.