IFSC Code of CSB Bank Limited, Varanasi Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to CSB Bank Limited's VARANASI branch in VARANASI, UTTAR PRADESH. The branch's IFSC code CSBK0001232 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 – VARANASI is CSBK0001232. The first four letters CSBK are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001232 map to this branch in VARANASI, UTTAR PRADESH.

Bank profile

CSB Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Varanasi branch — IFSC CSBK0001232 — extends the bank's services to customers in and around Varanasi, Uttar Pradesh.

About the Varanasi branch

The Varanasi branch of CSB Bank Limited is situated at UPPER GROUND FLOOR, C26 35 40A, RAMKATORA, LAHURABIR, VARANASI, UTTAR PRADESH 221001. 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 CSBK0001232 is used.

Branch details at a glance

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 VARANASI branch came to be assigned the code CSBK0001232.

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 CSBK0001232, money simply cannot be routed to the VARANASI branch electronically.

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 CSBK0001232 and the account number together uniquely identify the Varanasi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CSBK0001232

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 CSBK0001232 across all three.

NEFT to CSB Bank Limited, VARANASI using IFSC CSBK0001232

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 CSBK0001232, and confirm that the system picks up CSB Bank Limited – VARANASI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VARANASI

If you need to transfer ₹2 lakh or more in one go to an account at CSB Bank Limited's VARANASI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CSBK0001232 while initiating the transfer and the credit will appear within minutes.

IMPS to CSB Bank Limited VARANASI (IFSC CSBK0001232)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CSBK0001232 in your mobile or internet banking app, and the money is credited to the VARANASI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Varanasi

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 CSBK0001232:

• 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 VARANASI is still linked to IFSC CSBK0001232.

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 CSBK0001232

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 – VARANASI is still mapped to IFSC CSBK0001232. 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 CSBK0001232 and the beneficiary's account number to complete the transfer.

Account types you can open at the Varanasi branch

Once you have an account at CSB Bank Limited – VARANASI, the IFSC CSBK0001232 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 Varanasi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9072611232.

• 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 CSBK0001232

Online banking and IFSC CSBK0001232

CSB Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VARANASI 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 CSBK0001232 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.

Reaching the branch

The Varanasi branch sits at UPPER GROUND FLOOR, C26 35 40A, RAMKATORA, LAHURABIR, VARANASI, UTTAR PRADESH 221001. If you are travelling from outside Varanasi, search for the branch on a maps application using the bank name and locality, or call 91-9072611232 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 CSBK0001232 and your account number.

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 – VARANASI:

• The IFSC is exactly CSBK0001232 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 VARANASI 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.

Working hours

Branch counters at Varanasi 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 CSBK0001232 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CSBK0001232 for CSB Bank Limited – VARANASI, 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 address & contact

Frequently asked questions

Summary

The IFSC code CSBK0001232 belongs to CSB Bank Limited's VARANASI branch, located at UPPER GROUND FLOOR, C26 35 40A, RAMKATORA, LAHURABIR, VARANASI, UTTAR PRADESH… in VARANASI, UTTAR PRADESH. 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.