IFSC Code of Canara Bank, Ernakulam Shanmugham Road Main Branch, Kerala

If you are searching for the IFSC code of Canara Bank, ERNAKULAM SHANMUGHAM ROAD MAIN branch in ERNAKULAM, KERALA, this page has every detail you need. The verified IFSC code for this branch is CNRB0014300. 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 ERNAKULAM SHANMUGHAM ROAD MAIN branch, and detailed step-by-step guides for using the IFSC CNRB0014300 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, CNRB0014300 is the IFSC of Canara Bank's ERNAKULAM SHANMUGHAM ROAD MAIN branch. The format is fixed: CNRB = bank code, 0 = reserved, 014300 = branch identifier.

Bank profile

Canara Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ernakulam Shanmugham Road Main branch — IFSC CNRB0014300 — extends the bank's services to customers in and around Ernakulam, Kerala.

Branch details at a glance

About this branch

The branch is located at PIONEER TOWERS 1ST FLOOR SHANMUGHAM RD KERALA 682 031. It serves the Ernakulam 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 CNRB0014300 is used to identify this branch on the RBI payments network.

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 ERNAKULAM SHANMUGHAM ROAD MAIN of Canara Bank — its own 11-character IFSC. The code CNRB0014300 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 CNRB0014300 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Ernakulam Shanmugham Road Main branch is mapped to IFSC CNRB0014300 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 CNRB0014300.

Products and services

Customers walking into the Ernakulam Shanmugham Road Main 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 CNRB0014300

How to transfer money using IFSC CNRB0014300

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 CNRB0014300 across all three.

How to use IFSC CNRB0014300 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's ERNAKULAM SHANMUGHAM ROAD MAIN 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CNRB0014300.
4. Confirm the bank name auto-populates as Canara Bank and the branch as ERNAKULAM SHANMUGHAM ROAD MAIN.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CNRB0014300

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 – ERNAKULAM SHANMUGHAM ROAD MAIN, ensure your bank's portal accepts IFSC CNRB0014300 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Canara Bank ERNAKULAM SHANMUGHAM ROAD MAIN (IFSC CNRB0014300)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0014300 in your mobile or internet banking app, and the money is credited to the ERNAKULAM SHANMUGHAM ROAD MAIN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ernakulam Shanmugham Road Main

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 CNRB0014300:

• 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 ERNAKULAM SHANMUGHAM ROAD MAIN is still linked to IFSC CNRB0014300.

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 CNRB0014300

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 – ERNAKULAM SHANMUGHAM ROAD MAIN is still mapped to IFSC CNRB0014300. 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 CNRB0014300 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CNRB0014300

Canara Bank customers can register for net banking and the bank's official mobile app once their account at the ERNAKULAM SHANMUGHAM ROAD MAIN 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 CNRB0014300 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 & cheque-truncation details

Cheques drawn on the Ernakulam Shanmugham Road Main branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0014300 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC CNRB0014300

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 – ERNAKULAM SHANMUGHAM ROAD MAIN, 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: CNRB0014300.
• 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 Ernakulam Shanmugham Road Main branch

The branch is located at PIONEER TOWERS 1ST FLOOR SHANMUGHAM RD KERALA 682 031, which puts it inside Ernakulam, the broader Ernakulam district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Canara Bank Ernakulam Shanmugham Road Main branch” — the verified location pin for IFSC CNRB0014300 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 CNRB0014300 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CNRB0014300 for Canara Bank – ERNAKULAM SHANMUGHAM ROAD MAIN, 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 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 Ernakulam Shanmugham Road Main branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0014300, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0014300 belongs to Canara Bank's ERNAKULAM SHANMUGHAM ROAD MAIN branch, located at PIONEER TOWERS 1ST FLOOR SHANMUGHAM RD KERALA 682 031 in ERNAKULAM, 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.