IFSC Code of Canara Bank, Ayoor Ii Branch, Kerala

Use this page as a one-stop reference for everything related to Canara Bank's AYOOR II branch in AYOOR, KERALA. The branch's IFSC code CNRB0014514 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 Canara Bank – AYOOR II is CNRB0014514. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 014514 map to this branch in AYOOR, KERALA.

About the bank

Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Ayoor Ii branch in Ayoor, Kerala is part of this network and uses the IFSC code CNRB0014514 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at GROUND FLOOR MANAKKOTTU RAMAKRISHNA PILLAI MEMORIAL BLDG AYOOR KOLLAM 691533. It serves the Ayoor region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Canara Bank. The IFSC CNRB0014514 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 Canara Bank's AYOOR II branch came to be assigned the code CNRB0014514.

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 CNRB0014514, money simply cannot be routed to the AYOOR II branch electronically.

Products and account variants supported

Every account opened at the Ayoor Ii branch is mapped to IFSC CNRB0014514 on the RBI payments network. The branch generally supports the full retail product catalogue of Canara Bank, 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 CNRB0014514.

Products and services

Customers walking into the Ayoor Ii branch can access most of Canara Bank'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 CNRB0014514

How to transfer money using IFSC CNRB0014514

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 CNRB0014514 across all three.

NEFT to Canara Bank, AYOOR II using IFSC CNRB0014514

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 CNRB0014514, and confirm that the system picks up Canara Bank – AYOOR 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 AYOOR II

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's AYOOR II branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0014514 while initiating the transfer and the credit will appear within minutes.

IMPS to Canara Bank AYOOR II (IFSC CNRB0014514)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0014514 in your mobile or internet banking app, and the money is credited to the AYOOR II branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CNRB0014514 for Canara Bank – AYOOR II, 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 Ayoor Ii 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.

UPI payments and IFSC CNRB0014514

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 Canara Bank – AYOOR II is still mapped to IFSC CNRB0014514. 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 CNRB0014514 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CNRB0014514

Canara Bank customers can register for net banking and the bank's official mobile app once their account at the AYOOR II 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 CNRB0014514 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 Canara Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CNRB0014514 and the account number together uniquely identify the Ayoor Ii 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 CNRB0014514

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 Canara Bank – AYOOR II, 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: CNRB0014514.
• 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 Ayoor Ii branch sits at GROUND FLOOR MANAKKOTTU RAMAKRISHNA PILLAI MEMORIAL BLDG AYOOR KOLLAM 691533. If you are travelling from outside Ayoor, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 CNRB0014514 and your account number.

Verifying IFSC CNRB0014514 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 CNRB0014514 by:

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

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 Ayoor Ii branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0014514, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0014514 belongs to Canara Bank's AYOOR II branch, located at GROUND FLOOR MANAKKOTTU RAMAKRISHNA PILLAI MEMORIAL BLDG AYOOR KOLLAM 691533 in AYOOR, 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.