Below are the complete branch details for CSB Bank Limited, KARUKACHAL branch, located in KARUKACHAL, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is CSBK0000031. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CSBK0000031 for CSB Bank Limited – KARUKACHAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, CSBK0000031 is the IFSC of CSB Bank Limited's KARUKACHAL branch. The format is fixed: CSBK = bank code, 0 = reserved, 000031 = 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 Karukachal branch in Karukachal, Kerala is part of this network and uses the IFSC code CSBK0000031 for all electronic settlement.
Karukachal branch overview
Located at KARUNYA BHAVAN,KARUKACHAL,KOTTAYAM,KERALA 686540, the Karukachal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CSBK0000031 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | CSB Bank Limited |
|---|---|
| Branch | Karukachal |
| IFSC Code | CSBK0000031 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KARUNYA BHAVAN,KARUKACHAL,KOTTAYAM,KERALA 686540 |
| City | Karukachal |
| District | Kottayam |
| State | Kerala |
| STD Code | 91 |
| Phone | 9072601031 |
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 KARUKACHAL branch came to be assigned the code CSBK0000031.
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 CSBK0000031, money simply cannot be routed to the KARUKACHAL 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 CSBK0000031 and the account number together uniquely identify the Karukachal branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CSBK0000031
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 CSBK0000031 across all three.
NEFT to CSB Bank Limited, KARUKACHAL using IFSC CSBK0000031
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 CSBK0000031, and confirm that the system picks up CSB Bank Limited – KARUKACHAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CSBK0000031
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 – KARUKACHAL, ensure your bank's portal accepts IFSC CSBK0000031 while registering the beneficiary. RTGS is also available 24x7.
IMPS to CSB Bank Limited KARUKACHAL (IFSC CSBK0000031)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CSBK0000031 in your mobile or internet banking app, and the money is credited to the KARUKACHAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CSBK0000031 for CSB Bank Limited – KARUKACHAL, 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 – CSBK0000031 | Yes – CSBK0000031 | Yes – CSBK0000031 |
For most retail customers crediting the Karukachal 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 KARUKACHAL branch, the IFSC CSBK0000031 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.
Products and account variants supported
Every account opened at the Karukachal branch is mapped to IFSC CSBK0000031 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 CSBK0000031.
Products and services
Customers walking into the Karukachal 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 CSBK0000031
Online banking and IFSC CSBK0000031
CSB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KARUKACHAL 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 CSBK0000031 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.
How to reach the Karukachal branch
The branch is located at KARUNYA BHAVAN,KARUKACHAL,KOTTAYAM,KERALA 686540, which puts it inside Karukachal, the broader Kottayam district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “CSB Bank Limited Karukachal branch” — the verified location pin for IFSC CSBK0000031 should appear at the top of the results.
- Confirm the branch is open by calling 91-9072601031 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 CSBK0000031 and your account number.
Common mistakes to avoid when using IFSC CSBK0000031
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 – KARUKACHAL, 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:
CSBK0000031. - 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 Karukachal 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 CSBK0000031 continue to work without interruption.
Verifying IFSC CSBK0000031 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 CSBK0000031 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-9072601031.
- Visiting the bank's official branch locator page.
Branch address & contact
CSB Bank LimitedKarukachal Branch
KARUNYA BHAVAN,KARUKACHAL,KOTTAYAM,KERALA 686540
Karukachal, Kerala
Phone: 91-9072601031
IFSC: CSBK0000031
Frequently asked questions
Can I use IFSC CSBK0000031 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CSBK0000031 to send funds instantly.
How do I add CSB Bank Limited Karukachal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CSBK0000031, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC CSBK0000031 valid for NEFT and RTGS?
Yes. IFSC CSBK0000031 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Karukachal branch but serve different purposes.
What is the IFSC code of CSB Bank Limited Karukachal branch?
The IFSC code of CSB Bank Limited, Karukachal branch is CSBK0000031. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is CSB Bank Limited Karukachal branch located?
CSB Bank Limited's Karukachal branch is located at KARUNYA BHAVAN,KARUKACHAL,KOTTAYAM,KERALA 686540, Karukachal, Kerala.
What is the phone number of CSB Bank Limited Karukachal branch?
You can reach the branch at 91-9072601031 during regular banking hours.
Summary
The IFSC code CSBK0000031 belongs to CSB Bank Limited's KARUKACHAL branch, located at KARUNYA BHAVAN,KARUKACHAL,KOTTAYAM,KERALA 686540 in KARUKACHAL, 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.
