IFSC Code of CSB Bank Limited, Ernakulam Market Road Branch, Kerala

Use this page as a one-stop reference for everything related to CSB Bank Limited's ERNAKULAM MARKET ROAD branch in KOCHI, KERALA. The branch's IFSC code CSBK0000021 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.

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, CSBK0000021 is the IFSC of CSB Bank Limited's ERNAKULAM MARKET ROAD branch. The format is fixed: CSBK = bank code, 0 = reserved, 000021 = branch identifier.

About CSB Bank Limited

CSB Bank Limited operates a wide network of branches across India, including the Ernakulam Market Road branch in Kochi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CSBK0000021.

Branch details at a glance

About this branch

The branch is located at D J M BUILDING,MARKET ROAD,COCHI,682011. It serves the Kochi 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 CSBK0000021 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 ERNAKULAM MARKET ROAD branch came to be assigned the code CSBK0000021.

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 CSBK0000021, money simply cannot be routed to the ERNAKULAM MARKET ROAD branch electronically.

Products and account variants supported

Every account opened at the Ernakulam Market Road branch is mapped to IFSC CSBK0000021 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 CSBK0000021.

Banking services available

The Ernakulam Market Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9072601021.

• 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 CSBK0000021

How to transfer money using IFSC CSBK0000021

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 CSBK0000021 across all three.

How to use IFSC CSBK0000021 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's ERNAKULAM MARKET 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 CSBK0000021.
4. Confirm the bank name auto-populates as CSB Bank Limited and the branch as ERNAKULAM MARKET ROAD.
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 ERNAKULAM MARKET ROAD

If you need to transfer ₹2 lakh or more in one go to an account at CSB Bank Limited's ERNAKULAM MARKET ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CSBK0000021 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to CSB Bank Limited – ERNAKULAM MARKET ROAD, use IMPS. With IFSC CSBK0000021 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 CSBK0000021 for CSB Bank Limited – ERNAKULAM MARKET ROAD, 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 Ernakulam Market Road 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 ERNAKULAM MARKET ROAD branch, the IFSC CSBK0000021 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.

Digital banking channels

Most day-to-day work that customers used to do at the Ernakulam Market Road 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 CSBK0000021 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.

MICR & cheque-truncation details

Cheques drawn on the Ernakulam Market Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CSBK0000021 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – ERNAKULAM MARKET ROAD:

• The IFSC is exactly CSBK0000021 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 ERNAKULAM MARKET 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.

Reaching the branch

The Ernakulam Market Road branch sits at D J M BUILDING,MARKET ROAD,COCHI,682011. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call 91-9072601021 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 CSBK0000021 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CSBK0000021 for CSB Bank Limited – ERNAKULAM MARKET ROAD, 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 Ernakulam Market Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CSBK0000021, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CSBK0000021 is the IFSC code of CSB Bank Limited, ERNAKULAM MARKET ROAD branch, in KOCHI, 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.