If you are searching for the IFSC code of CSB Bank Limited, GIRINAGAR branch in KOCHI, KERALA, this page has every detail you need. The verified IFSC code for this branch is CSBK0000186. 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 GIRINAGAR branch, and detailed step-by-step guides for using the IFSC CSBK0000186 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.
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, CSBK0000186 is the IFSC of CSB Bank Limited's GIRINAGAR branch. The format is fixed: CSBK = bank code, 0 = reserved, 000186 = branch identifier.
Branch details at a glance
| Bank Name | CSB Bank Limited |
|---|---|
| Branch | Girinagar |
| IFSC Code | CSBK0000186 |
| MICR Code | Refer to cheque leaf |
| Branch Address | DOOR NO XXX IV,GCDA BUILDING,GIRINAGAR NORTH ,COCHIN,KERALA 682020 |
| City | Kochi |
| District | Ernakulam |
| State | Kerala |
| STD Code | 91 |
| Phone | 9072601186 |
Bank profile
CSB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Girinagar branch — IFSC CSBK0000186 — extends the bank's services to customers in and around Kochi, Kerala.
Girinagar branch overview
Located at DOOR NO XXX IV,GCDA BUILDING,GIRINAGAR NORTH ,COCHIN,KERALA 682020, the Girinagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CSBK0000186 is required for all interbank electronic transfers routed through this branch.
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 GIRINAGAR of CSB Bank Limited — its own 11-character IFSC. The code CSBK0000186 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 CSBK0000186 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 CSBK0000186
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 CSBK0000186 across all three.
How to use IFSC CSBK0000186 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's GIRINAGAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CSBK0000186.
- Confirm the bank name auto-populates as CSB Bank Limited and the branch as GIRINAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CSBK0000186
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 – GIRINAGAR, ensure your bank's portal accepts IFSC CSBK0000186 while registering the beneficiary. RTGS is also available 24x7.
IMPS to CSB Bank Limited GIRINAGAR (IFSC CSBK0000186)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CSBK0000186 in your mobile or internet banking app, and the money is credited to the GIRINAGAR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CSBK0000186 for CSB Bank Limited – GIRINAGAR, 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 – CSBK0000186 | Yes – CSBK0000186 | Yes – CSBK0000186 |
For most retail customers crediting the Girinagar 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.
UPI payments and IFSC CSBK0000186
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 – GIRINAGAR is still mapped to IFSC CSBK0000186. 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 CSBK0000186 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Girinagar branch is mapped to IFSC CSBK0000186 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 CSBK0000186.
Banking services available
The Girinagar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9072601186.
- 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 CSBK0000186
MICR & cheque-truncation details
Cheques drawn on the Girinagar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CSBK0000186 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC CSBK0000186
CSB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the GIRINAGAR 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 CSBK0000186 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.
Common mistakes to avoid when using IFSC CSBK0000186
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 – GIRINAGAR, 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:
CSBK0000186. - 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.
Reaching the branch
The Girinagar branch sits at DOOR NO XXX IV,GCDA BUILDING,GIRINAGAR NORTH ,COCHIN,KERALA 682020. If you are travelling from outside Kochi, search for the branch on a maps application using the bank name and locality, or call 91-9072601186 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 CSBK0000186 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CSBK0000186 for CSB Bank Limited – GIRINAGAR, 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 Girinagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CSBK0000186, however, work 24x7.
Branch address & contact
CSB Bank LimitedGirinagar Branch
DOOR NO XXX IV,GCDA BUILDING,GIRINAGAR NORTH ,COCHIN,KERALA 682020
Kochi, Kerala
Phone: 91-9072601186
IFSC: CSBK0000186
Frequently asked questions
How quickly will an NEFT transfer using CSBK0000186 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to CSB Bank Limited – Girinagar reflect within 30 minutes.
How do I add CSB Bank Limited Girinagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CSBK0000186, and complete OTP verification. Once activated, you can transfer funds at any time.
Does CSB Bank Limited Girinagar branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9072601186 to confirm.
Can I use IFSC CSBK0000186 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CSBK0000186 to send funds instantly.
Is IFSC CSBK0000186 the same for all accounts at Girinagar branch?
Yes. The IFSC CSBK0000186 is shared by every account held at CSB Bank Limited's Girinagar branch. Only the account number changes from customer to customer.
What is the phone number of CSB Bank Limited Girinagar branch?
You can reach the branch at 91-9072601186 during regular banking hours.
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 Girinagar branch but serve different purposes.
Final notes
To recap: CSBK0000186 is the IFSC code of CSB Bank Limited, GIRINAGAR 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.
