IFSC Code of CSB Bank Limited, Kalathipady Branch, Kerala

Use this page as a one-stop reference for everything related to CSB Bank Limited's KALATHIPADY branch in KOTTAYAM, KERALA. The branch's IFSC code CSBK0000308 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.

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 KALATHIPADY branch, the IFSC CSBK0000308 breaks down as follows: CSBK identifies the bank, 0 is the reserved character, and 000308 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 Kalathipady branch — IFSC CSBK0000308 — extends the bank's services to customers in and around Kottayam, Kerala.

Branch details at a glance

About this branch

The branch is located at NOYAPLAZA,KALATHIPADY,VADAVATHOOR PO,686010,KOTTAYAM DT,KERALA,INDIA. It serves the Kottayam 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 CSBK0000308 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 KALATHIPADY branch came to be assigned the code CSBK0000308.

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 CSBK0000308, money simply cannot be routed to the KALATHIPADY branch electronically.

Account types you can open at the Kalathipady branch

Once you have an account at CSB Bank Limited – KALATHIPADY, the IFSC CSBK0000308 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.

Banking services available

The Kalathipady branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9072601308.

• 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 CSBK0000308

How to transfer money using IFSC CSBK0000308

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 CSBK0000308 across all three.

How to use IFSC CSBK0000308 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's KALATHIPADY 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 CSBK0000308.
4. Confirm the bank name auto-populates as CSB Bank Limited and the branch as KALATHIPADY.
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 CSBK0000308

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 – KALATHIPADY, ensure your bank's portal accepts IFSC CSBK0000308 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to CSB Bank Limited – KALATHIPADY, use IMPS. With IFSC CSBK0000308 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 CSBK0000308 for CSB Bank Limited – KALATHIPADY, 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 Kalathipady 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 KALATHIPADY branch, the IFSC CSBK0000308 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.

Online banking and IFSC CSBK0000308

CSB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KALATHIPADY 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 CSBK0000308 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 CSBK0000308 and the account number together uniquely identify the Kalathipady branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC CSBK0000308

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 – KALATHIPADY, 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: CSBK0000308.
• 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 Kalathipady branch sits at NOYAPLAZA,KALATHIPADY,VADAVATHOOR PO,686010,KOTTAYAM DT,KERALA,INDIA. If you are travelling from outside Kottayam, search for the branch on a maps application using the bank name and locality, or call 91-9072601308 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 CSBK0000308 and your account number.

Verifying IFSC CSBK0000308 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 CSBK0000308 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-9072601308.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kalathipady 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 CSBK0000308 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CSBK0000308 is the IFSC code of CSB Bank Limited, KALATHIPADY branch, in KOTTAYAM, 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.