Use this page as a one-stop reference for everything related to Canara Bank's BHUBANESWAR SME SULABH branch in BHUBANESWAR, ODISHA. The branch's IFSC code CNRB0003495 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 – BHUBANESWAR SME SULABH is CNRB0003495. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003495 map to this branch in BHUBANESWAR, ODISHA.
Bank profile
Canara Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhubaneswar SME Sulabh branch — IFSC CNRB0003495 — extends the bank's services to customers in and around Bhubaneswar, Odisha.
About the Bhubaneswar SME Sulabh branch
The Bhubaneswar SME Sulabh branch of Canara Bank is situated at AT JAGAMARA KHANDAGIRI PO BHUBANESWARODISHA 751030. 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 CNRB0003495 is used.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Bhubaneswar SME Sulabh |
| IFSC Code | CNRB0003495 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT JAGAMARA KHANDAGIRI PO BHUBANESWARODISHA 751030 |
| City | Bhubaneswar |
| District | Bhubaneswar |
| State | Odisha |
Why every Canara Bank 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 BHUBANESWAR SME SULABH of Canara Bank — its own 11-character IFSC. The code CNRB0003495 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 CNRB0003495 the same way you would treat your account number — verify it once and save it carefully for future use.
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 CNRB0003495 and the account number together uniquely identify the Bhubaneswar SME Sulabh branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CNRB0003495
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 CNRB0003495 across all three.
NEFT to Canara Bank, BHUBANESWAR SME SULABH using IFSC CNRB0003495
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 CNRB0003495, and confirm that the system picks up Canara Bank – BHUBANESWAR SME SULABH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CNRB0003495
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 Canara Bank – BHUBANESWAR SME SULABH, ensure your bank's portal accepts IFSC CNRB0003495 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Canara Bank – BHUBANESWAR SME SULABH, use IMPS. With IFSC CNRB0003495 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 Bhubaneswar SME Sulabh
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 CNRB0003495:
- 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 BHUBANESWAR SME SULABH is still linked to IFSC CNRB0003495.
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 CNRB0003495
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 – BHUBANESWAR SME SULABH is still mapped to IFSC CNRB0003495. 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 CNRB0003495 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Bhubaneswar SME Sulabh branch is mapped to IFSC CNRB0003495 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 CNRB0003495.
Products and services
Customers walking into the Bhubaneswar SME Sulabh 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 CNRB0003495
Online banking and IFSC CNRB0003495
Canara Bank customers can register for net banking and the bank's official mobile app once their account at the BHUBANESWAR SME SULABH 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 CNRB0003495 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.
How to reach the Bhubaneswar SME Sulabh branch
The branch is located at AT JAGAMARA KHANDAGIRI PO BHUBANESWARODISHA 751030, which puts it inside Bhubaneswar, the broader Bhubaneswar district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Bhubaneswar SME Sulabh branch” — the verified location pin for IFSC CNRB0003495 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 CNRB0003495 and your account number.
Common mistakes to avoid when using IFSC CNRB0003495
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 – BHUBANESWAR SME SULABH, 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:
CNRB0003495. - 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.
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 Bhubaneswar SME Sulabh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0003495, however, work 24x7.
Verifying IFSC CNRB0003495 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 CNRB0003495 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 address & contact
Canara BankBhubaneswar SME Sulabh Branch
AT JAGAMARA KHANDAGIRI PO BHUBANESWARODISHA 751030
Bhubaneswar, Odisha
Phone: the branch contact number
IFSC: CNRB0003495
Frequently asked questions
Is IFSC CNRB0003495 valid for NEFT and RTGS?
Yes. IFSC CNRB0003495 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Canara Bank Bhubaneswar SME Sulabh as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0003495, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Canara Bank Bhubaneswar SME Sulabh branch?
The IFSC code of Canara Bank, Bhubaneswar SME Sulabh branch is CNRB0003495. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CNRB0003495 the same for all accounts at Bhubaneswar SME Sulabh branch?
Yes. The IFSC CNRB0003495 is shared by every account held at Canara Bank's Bhubaneswar SME Sulabh branch. Only the account number changes from customer to customer.
What is the phone number of Canara Bank Bhubaneswar SME Sulabh branch?
You can reach the branch at the branch contact number during regular banking hours.
Does Canara Bank Bhubaneswar SME Sulabh branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
How quickly will an NEFT transfer using CNRB0003495 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Bhubaneswar SME Sulabh reflect within 30 minutes.
Can I use IFSC CNRB0003495 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0003495 to send funds instantly.
Summary
The IFSC code CNRB0003495 belongs to Canara Bank's BHUBANESWAR SME SULABH branch, located at AT JAGAMARA KHANDAGIRI PO BHUBANESWARODISHA 751030 in BHUBANESWAR, ODISHA. 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.
