IFSC Code of CSB Bank Limited, Kumarapuram Branch, Kerala

Use this page as a one-stop reference for everything related to CSB Bank Limited's KUMARAPURAM branch in KUMARAPURAM, KERALA. The branch's IFSC code CSBK0000048 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for CSB Bank Limited – KUMARAPURAM is CSBK0000048. The first four letters CSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000048 map to this branch in KUMARAPURAM, KERALA.

About the bank

CSB Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Kumarapuram branch in Kumarapuram, Kerala is part of this network and uses the IFSC code CSBK0000048 for all electronic settlement.

Branch details at a glance

About the Kumarapuram branch

The Kumarapuram branch of CSB Bank Limited is situated at PB NO 2405,P O MEDICAL COLLEGE,KUMARAPURAM,THIRUVANANTHAPURAM 695011. 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 CSBK0000048 is used.

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 KUMARAPURAM of CSB Bank Limited — its own 11-character IFSC. The code CSBK0000048 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 CSBK0000048 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Kumarapuram branch is mapped to IFSC CSBK0000048 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 CSBK0000048.

Banking services available

The Kumarapuram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9072601048.

• 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 CSBK0000048

How to transfer money using IFSC CSBK0000048

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 CSBK0000048 across all three.

How to use IFSC CSBK0000048 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's KUMARAPURAM 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 CSBK0000048.
4. Confirm the bank name auto-populates as CSB Bank Limited and the branch as KUMARAPURAM.
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 CSBK0000048

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 – KUMARAPURAM, ensure your bank's portal accepts IFSC CSBK0000048 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to CSB Bank Limited – KUMARAPURAM, use IMPS. With IFSC CSBK0000048 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Kumarapuram

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 CSBK0000048:

• 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 KUMARAPURAM is still linked to IFSC CSBK0000048.

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.

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 KUMARAPURAM branch, the IFSC CSBK0000048 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 CSBK0000048

CSB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the KUMARAPURAM 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 CSBK0000048 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 CSBK0000048 and the account number together uniquely identify the Kumarapuram 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 CSBK0000048

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 – KUMARAPURAM, 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: CSBK0000048.
• 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.

How to reach the Kumarapuram branch

The branch is located at PB NO 2405,P O MEDICAL COLLEGE,KUMARAPURAM,THIRUVANANTHAPURAM 695011, which puts it inside Kumarapuram, the broader Alapuzzha district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “CSB Bank Limited Kumarapuram branch” — the verified location pin for IFSC CSBK0000048 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9072601048 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 CSBK0000048 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CSBK0000048 for CSB Bank Limited – KUMARAPURAM, 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 Kumarapuram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CSBK0000048, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CSBK0000048 belongs to CSB Bank Limited's KUMARAPURAM branch, located at PB NO 2405,P O MEDICAL COLLEGE,KUMARAPURAM,THIRUVANANTHAPURAM 695011 in KUMARAPURAM, 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.