IFSC Code of CSB Bank Limited, Banaerji Road Branch, Kerala

Below are the complete branch details for CSB Bank Limited, BANAERJI ROAD branch, located in KOCHI, KERALA. The IFSC assigned by the Reserve Bank of India to this branch is CSBK0000074. 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 CSBK0000074 for CSB Bank Limited – BANAERJI ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 BANAERJI ROAD branch, the IFSC CSBK0000074 breaks down as follows: CSBK identifies the bank, 0 is the reserved character, and 000074 identifies this particular branch.

About the bank

CSB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Banaerji Road branch in Kochi, Kerala is part of this network and uses the IFSC code CSBK0000074 for all electronic settlement.

Branch details at a glance

About the Banaerji Road branch

The Banaerji Road branch of CSB Bank Limited is situated at BANERJI ROAD,PALATHODE,TATAPURAM,KOCHI 682014. 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 CSBK0000074 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 BANAERJI ROAD branch came to be assigned the code CSBK0000074.

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 CSBK0000074, money simply cannot be routed to the BANAERJI ROAD branch electronically.

Products and account variants supported

Every account opened at the Banaerji Road branch is mapped to IFSC CSBK0000074 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 CSBK0000074.

Banking services available

The Banaerji Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9072601074.

• 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 CSBK0000074

How to transfer money using IFSC CSBK0000074

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 CSBK0000074 across all three.

How to use IFSC CSBK0000074 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's BANAERJI ROAD 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 CSBK0000074.
4. Confirm the bank name auto-populates as CSB Bank Limited and the branch as BANAERJI ROAD.
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 CSBK0000074

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 – BANAERJI ROAD, ensure your bank's portal accepts IFSC CSBK0000074 while registering the beneficiary. RTGS is also available 24x7.

IMPS to CSB Bank Limited BANAERJI ROAD (IFSC CSBK0000074)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CSBK0000074 in your mobile or internet banking app, and the money is credited to the BANAERJI ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Banaerji Road

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 CSBK0000074:

• 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 BANAERJI ROAD is still linked to IFSC CSBK0000074.

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 CSBK0000074

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 – BANAERJI ROAD is still mapped to IFSC CSBK0000074. 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 CSBK0000074 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CSBK0000074

CSB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the BANAERJI ROAD 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 CSBK0000074 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 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 CSBK0000074 and the account number together uniquely identify the Banaerji Road 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 – BANAERJI ROAD:

• The IFSC is exactly CSBK0000074 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 BANAERJI ROAD 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 Banaerji Road branch

The branch is located at BANERJI ROAD,PALATHODE,TATAPURAM,KOCHI 682014, which puts it inside Kochi, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “CSB Bank Limited Banaerji Road branch” — the verified location pin for IFSC CSBK0000074 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9072601074 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 CSBK0000074 and your account number.

Verifying IFSC CSBK0000074 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 CSBK0000074 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9072601074.
• 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 Banaerji Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CSBK0000074, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CSBK0000074 belongs to CSB Bank Limited's BANAERJI ROAD branch, located at BANERJI ROAD,PALATHODE,TATAPURAM,KOCHI 682014 in KOCHI, 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.