Use this page as a one-stop reference for everything related to Canara Bank's SME, BHAVNAGAR branch in BHAVNAGAR, GUJARAT. The branch's IFSC code CNRB0004831 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.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, CNRB0004831 is the IFSC of Canara Bank's SME, BHAVNAGAR branch. The format is fixed: CNRB = bank code, 0 = reserved, 004831 = branch identifier.
About Canara Bank
Canara Bank operates a wide network of branches across India, including the SME, Bhavnagar branch in Bhavnagar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CNRB0004831.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | SME, Bhavnagar |
| IFSC Code | CNRB0004831 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK BHAVNAGAR BHAVNAGAR GUJARAT 364 |
| City | Bhavnagar |
| District | Bhavnagar |
| State | Gujarat |
| STD Code | 91 |
| Phone | 1234567890 |
About this branch
The branch is located at CANARA BANK BHAVNAGAR BHAVNAGAR GUJARAT 364. It serves the Bhavnagar 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 CNRB0004831 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 SME, BHAVNAGAR branch came to be assigned the code CNRB0004831.
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 CNRB0004831, money simply cannot be routed to the SME, BHAVNAGAR branch electronically.
Products and account variants supported
Every account opened at the SME, Bhavnagar branch is mapped to IFSC CNRB0004831 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 CNRB0004831.
Products and services
Customers walking into the SME, Bhavnagar 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 CNRB0004831
How to transfer money using IFSC CNRB0004831
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 CNRB0004831 across all three.
How to use IFSC CNRB0004831 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's SME, BHAVNAGAR 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CNRB0004831.
- Confirm the bank name auto-populates as Canara Bank and the branch as SME, BHAVNAGAR.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to SME, BHAVNAGAR
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's SME, BHAVNAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0004831 while initiating the transfer and the credit will appear within minutes.
IMPS to Canara Bank SME, BHAVNAGAR (IFSC CNRB0004831)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0004831 in your mobile or internet banking app, and the money is credited to the SME, BHAVNAGAR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to SME, Bhavnagar
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 CNRB0004831:
- 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 SME, BHAVNAGAR is still linked to IFSC CNRB0004831.
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 Canara Bank's SME, BHAVNAGAR branch, the IFSC CNRB0004831 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.
Digital banking channels
Most day-to-day work that customers used to do at the SME, Bhavnagar 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 CNRB0004831 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 Canara Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CNRB0004831 and the account number together uniquely identify the SME, Bhavnagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 Canara Bank – SME, BHAVNAGAR:
- The IFSC is exactly CNRB0004831 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Canara Bank as the bank name and SME, BHAVNAGAR 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.
How to reach the SME, Bhavnagar branch
The branch is located at CANARA BANK BHAVNAGAR BHAVNAGAR GUJARAT 364, which puts it inside Bhavnagar, the broader Bhavnagar district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank SME, Bhavnagar branch” — the verified location pin for IFSC CNRB0004831 should appear at the top of the results.
- Confirm the branch is open by calling 91-1234567890 before stepping out, especially around public holidays.
- 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 CNRB0004831 and your account number.
Verifying IFSC CNRB0004831 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 CNRB0004831 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-1234567890.
- 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 SME, Bhavnagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0004831, however, work 24x7.
Branch address & contact
Canara BankSME, Bhavnagar Branch
CANARA BANK BHAVNAGAR BHAVNAGAR GUJARAT 364
Bhavnagar, Gujarat
Phone: 91-1234567890
IFSC: CNRB0004831
Frequently asked questions
Is IFSC CNRB0004831 the same for all accounts at SME, Bhavnagar branch?
Yes. The IFSC CNRB0004831 is shared by every account held at Canara Bank's SME, Bhavnagar branch. Only the account number changes from customer to customer.
Where is Canara Bank SME, Bhavnagar branch located?
Canara Bank's SME, Bhavnagar branch is located at CANARA BANK BHAVNAGAR BHAVNAGAR GUJARAT 364, Bhavnagar, Gujarat.
Can I use IFSC CNRB0004831 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0004831 to send funds instantly.
How quickly will an NEFT transfer using CNRB0004831 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – SME, Bhavnagar reflect within 30 minutes.
How do I add Canara Bank SME, Bhavnagar as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0004831, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Canara Bank SME, Bhavnagar branch?
You can reach the branch at 91-1234567890 during regular banking hours.
Summary
The IFSC code CNRB0004831 belongs to Canara Bank's SME, BHAVNAGAR branch, located at CANARA BANK BHAVNAGAR BHAVNAGAR GUJARAT 364 in BHAVNAGAR, GUJARAT. 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.
