IFSC Code of CSB Bank Limited, Rayavaram Branch, Andhra Pradesh

If you are searching for the IFSC code of CSB Bank Limited, RAYAVARAM branch in RAYAVARAM, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is CSBK0000684. 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 RAYAVARAM branch, and detailed step-by-step guides for using the IFSC CSBK0000684 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.

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 RAYAVARAM branch, the IFSC CSBK0000684 breaks down as follows: CSBK identifies the bank, 0 is the reserved character, and 000684 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 Rayavaram branch — IFSC CSBK0000684 — extends the bank's services to customers in and around Rayavaram, Andhra Pradesh.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR,DOOR NO 629 1,BESIDE SBI BANK,MAIN ROAD,RAYAVARAM,EAST GODAVARI DIST,ANDHRA PRADESH 533346. It serves the Rayavaram 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 CSBK0000684 is used to identify this branch on the RBI payments network.

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 RAYAVARAM of CSB Bank Limited — its own 11-character IFSC. The code CSBK0000684 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 CSBK0000684 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 Rayavaram branch is mapped to IFSC CSBK0000684 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 CSBK0000684.

Products and services

Customers walking into the Rayavaram 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 CSBK0000684

How to transfer money using IFSC CSBK0000684

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 CSBK0000684 across all three.

How to use IFSC CSBK0000684 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to CSB Bank Limited's RAYAVARAM 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 CSBK0000684.
4. Confirm the bank name auto-populates as CSB Bank Limited and the branch as RAYAVARAM.
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 CSBK0000684

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 – RAYAVARAM, ensure your bank's portal accepts IFSC CSBK0000684 while registering the beneficiary. RTGS is also available 24x7.

IMPS to CSB Bank Limited RAYAVARAM (IFSC CSBK0000684)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CSBK0000684 in your mobile or internet banking app, and the money is credited to the RAYAVARAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Rayavaram

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 CSBK0000684:

• 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 RAYAVARAM is still linked to IFSC CSBK0000684.

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 CSBK0000684

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 – RAYAVARAM is still mapped to IFSC CSBK0000684. 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 CSBK0000684 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Rayavaram 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 CSBK0000684 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 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 CSBK0000684 and the account number together uniquely identify the Rayavaram 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 CSBK0000684

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 – RAYAVARAM, 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: CSBK0000684.
• 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 Rayavaram branch

The branch is located at GROUND FLOOR,DOOR NO 629 1,BESIDE SBI BANK,MAIN ROAD,RAYAVARAM,EAST GODAVARI DIST,ANDHRA PRADESH 533346, which puts it inside Rayavaram, the broader East Godavari district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “CSB Bank Limited Rayavaram branch” — the verified location pin for IFSC CSBK0000684 should appear at the top of the results.
2. Confirm the branch is open by calling 91-9072699684 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 CSBK0000684 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CSBK0000684 for CSB Bank Limited – RAYAVARAM, 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 Rayavaram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CSBK0000684, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CSBK0000684 is the IFSC code of CSB Bank Limited, RAYAVARAM branch, in RAYAVARAM, ANDHRA PRADESH. 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.