If you are searching for the IFSC code of Canara Bank, SME BRANCH, CUTTACK branch in CUTTACK, ODISHA, this page has every detail you need. The verified IFSC code for this branch is CNRB0003969. 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 SME BRANCH, CUTTACK branch, and detailed step-by-step guides for using the IFSC CNRB0003969 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.
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, CNRB0003969 is the IFSC of Canara Bank's SME BRANCH, CUTTACK branch. The format is fixed: CNRB = bank code, 0 = reserved, 003969 = branch identifier.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | SME Branch, Cuttack |
| IFSC Code | CNRB0003969 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK, SUR COMPLEX, MANGALABAG, CUTTACK, ORISSA-753001 |
| City | Cuttack |
| District | Cuttack |
| State | Odisha |
| STD Code | 671 |
| Phone | 2412433 |
About the bank
Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its SME Branch, Cuttack branch in Cuttack, Odisha is part of this network and uses the IFSC code CNRB0003969 for all electronic settlement.
About the SME Branch, Cuttack branch
The SME Branch, Cuttack branch of Canara Bank is situated at CANARA BANK, SUR COMPLEX, MANGALABAG, CUTTACK, ORISSA-753001. 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 CNRB0003969 is used.
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 SME BRANCH, CUTTACK of Canara Bank — its own 11-character IFSC. The code CNRB0003969 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 CNRB0003969 the same way you would treat your account number — verify it once and save it carefully for future use.
How to transfer money using IFSC CNRB0003969
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 CNRB0003969 across all three.
NEFT to Canara Bank, SME BRANCH, CUTTACK using IFSC CNRB0003969
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 CNRB0003969, and confirm that the system picks up Canara Bank – SME BRANCH, CUTTACK. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CNRB0003969
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 – SME BRANCH, CUTTACK, ensure your bank's portal accepts IFSC CNRB0003969 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Canara Bank – SME BRANCH, CUTTACK, use IMPS. With IFSC CNRB0003969 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CNRB0003969 for Canara Bank – SME BRANCH, CUTTACK, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CNRB0003969 | Yes – CNRB0003969 | Yes – CNRB0003969 |
For most retail customers crediting the SME Branch, Cuttack 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 CNRB0003969
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 – SME BRANCH, CUTTACK is still mapped to IFSC CNRB0003969. 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 CNRB0003969 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the SME Branch, Cuttack branch is mapped to IFSC CNRB0003969 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 CNRB0003969.
Banking services available
The SME Branch, Cuttack branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 671-2412433.
- 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 CNRB0003969
MICR & cheque-truncation details
Cheques drawn on the SME Branch, Cuttack branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0003969 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC CNRB0003969
Canara Bank customers can register for net banking and the bank's official mobile app once their account at the SME BRANCH, CUTTACK 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 CNRB0003969 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.
Common mistakes to avoid when using IFSC CNRB0003969
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 – SME BRANCH, CUTTACK, 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:
CNRB0003969. - 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 SME Branch, Cuttack branch
The branch is located at CANARA BANK, SUR COMPLEX, MANGALABAG, CUTTACK, ORISSA-753001, which puts it inside Cuttack, the broader Cuttack district, and the state of Odisha. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank SME Branch, Cuttack branch” — the verified location pin for IFSC CNRB0003969 should appear at the top of the results.
- Confirm the branch is open by calling 671-2412433 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 CNRB0003969 and your account number.
Verifying IFSC CNRB0003969 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 CNRB0003969 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 671-2412433.
- 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 Branch, Cuttack branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0003969, however, work 24x7.
Branch address & contact
Canara BankSME Branch, Cuttack Branch
CANARA BANK, SUR COMPLEX, MANGALABAG, CUTTACK, ORISSA-753001
Cuttack, Odisha
Phone: 671-2412433
IFSC: CNRB0003969
Frequently asked questions
Is IFSC CNRB0003969 the same for all accounts at SME Branch, Cuttack branch?
Yes. The IFSC CNRB0003969 is shared by every account held at Canara Bank's SME Branch, Cuttack branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CNRB0003969 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – SME Branch, Cuttack reflect within 30 minutes.
What is the IFSC code of Canara Bank SME Branch, Cuttack branch?
The IFSC code of Canara Bank, SME Branch, Cuttack branch is CNRB0003969. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the SME Branch, Cuttack branch but serve different purposes.
Can I use IFSC CNRB0003969 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0003969 to send funds instantly.
Is IFSC CNRB0003969 valid for NEFT and RTGS?
Yes. IFSC CNRB0003969 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code CNRB0003969 belongs to Canara Bank's SME BRANCH, CUTTACK branch, located at CANARA BANK, SUR COMPLEX, MANGALABAG, CUTTACK, ORISSA-753001 in CUTTACK, 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.
