IFSC Code of CSB Bank Limited, Ludhiana Ii Branch, Punjab

This page lists the IFSC code, branch address, contact number and fund-transfer information for CSB Bank Limited, LUDHIANA II branch in LUDHIANA II. The 11-digit IFSC CSBK0000729 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with CSB Bank Limited at the LUDHIANA II location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – LUDHIANA II is CSBK0000729. The first four letters CSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000729 map to this branch in LUDHIANA II, PUNJAB.

Branch details at a glance

Bank profile

CSB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Ludhiana Ii branch — IFSC CSBK0000729 — extends the bank's services to customers in and around Ludhiana Ii, Punjab.

About the Ludhiana Ii branch

The Ludhiana Ii branch of CSB Bank Limited is situated at GROUND FLOOR SCO 5,FEROZ GANDHI MARKET,LUDHIANA 141001. 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 CSBK0000729 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 LUDHIANA II of CSB Bank Limited — its own 11-character IFSC. The code CSBK0000729 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 CSBK0000729 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 CSBK0000729

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 CSBK0000729 across all three.

NEFT to CSB Bank Limited, LUDHIANA II using IFSC CSBK0000729

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC CSBK0000729, and confirm that the system picks up CSB Bank Limited – LUDHIANA II. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LUDHIANA II

If you need to transfer ₹2 lakh or more in one go to an account at CSB Bank Limited's LUDHIANA II branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CSBK0000729 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 – LUDHIANA II, use IMPS. With IFSC CSBK0000729 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 Ludhiana Ii

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 CSBK0000729:

• 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 LUDHIANA II is still linked to IFSC CSBK0000729.

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 CSBK0000729

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 – LUDHIANA II is still mapped to IFSC CSBK0000729. 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 CSBK0000729 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ludhiana Ii branch is mapped to IFSC CSBK0000729 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 CSBK0000729.

Products and services

Customers walking into the Ludhiana Ii branch can access most of CSB Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC CSBK0000729

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 CSBK0000729 and the account number together uniquely identify the Ludhiana Ii branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Ludhiana Ii 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 CSBK0000729 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.

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 – LUDHIANA II:

• The IFSC is exactly CSBK0000729 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 LUDHIANA II 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 Ludhiana Ii branch sits at GROUND FLOOR SCO 5,FEROZ GANDHI MARKET,LUDHIANA 141001. If you are travelling from outside Ludhiana Ii, search for the branch on a maps application using the bank name and locality, or call 91-9072601729 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 CSBK0000729 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CSBK0000729 for CSB Bank Limited – LUDHIANA II, 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.

Working hours

Branch counters at Ludhiana Ii 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 CSBK0000729 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CSBK0000729 is the IFSC code of CSB Bank Limited, LUDHIANA II branch, in LUDHIANA II, PUNJAB. 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.