IFSC Code of Canara Bank, Specialised SME Branch Gajraula Branch, Uttar Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, SPECIALISED SME BRANCH GAJRAULA branch in GAJRAULA. The 11-digit IFSC CNRB0018581 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Canara Bank at the SPECIALISED SME BRANCH GAJRAULA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Canara Bank's SPECIALISED SME BRANCH GAJRAULA branch, the IFSC CNRB0018581 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 018581 identifies this particular branch.

Branch details at a glance

About the bank

Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Specialised SME Branch Gajraula branch in Gajraula, Uttar Pradesh is part of this network and uses the IFSC code CNRB0018581 for all electronic settlement.

About the Specialised SME Branch Gajraula branch

The Specialised SME Branch Gajraula branch of Canara Bank is situated at NEAR RAILWAY STATION TEHSIL DHANAURA JYOTIBA PHULE NAGAR 244 235. 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 CNRB0018581 is used.

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 SPECIALISED SME BRANCH GAJRAULA branch came to be assigned the code CNRB0018581.

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 CNRB0018581, money simply cannot be routed to the SPECIALISED SME BRANCH GAJRAULA branch electronically.

How to transfer money using IFSC CNRB0018581

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 CNRB0018581 across all three.

NEFT to Canara Bank, SPECIALISED SME BRANCH GAJRAULA using IFSC CNRB0018581

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 CNRB0018581, and confirm that the system picks up Canara Bank – SPECIALISED SME BRANCH GAJRAULA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SPECIALISED SME BRANCH GAJRAULA

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's SPECIALISED SME BRANCH GAJRAULA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0018581 while initiating the transfer and the credit will appear within minutes.

IMPS to Canara Bank SPECIALISED SME BRANCH GAJRAULA (IFSC CNRB0018581)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0018581 in your mobile or internet banking app, and the money is credited to the SPECIALISED SME BRANCH GAJRAULA branch account within seconds.

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

All three modes accept the IFSC CNRB0018581 for Canara Bank – SPECIALISED SME BRANCH GAJRAULA, 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 Specialised SME Branch Gajraula 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.

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 SPECIALISED SME BRANCH GAJRAULA branch, the IFSC CNRB0018581 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.

Account types you can open at the Specialised SME Branch Gajraula branch

Once you have an account at Canara Bank – SPECIALISED SME BRANCH GAJRAULA, the IFSC CNRB0018581 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Specialised SME Branch Gajraula branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 CNRB0018581

MICR & cheque-truncation details

Cheques drawn on the Specialised SME Branch Gajraula branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0018581 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC CNRB0018581

Canara Bank customers can register for net banking and the bank's official mobile app once their account at the SPECIALISED SME BRANCH GAJRAULA 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 CNRB0018581 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 CNRB0018581

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 – SPECIALISED SME BRANCH GAJRAULA, 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: CNRB0018581.
• 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 Specialised SME Branch Gajraula branch sits at NEAR RAILWAY STATION TEHSIL DHANAURA JYOTIBA PHULE NAGAR 244 235. If you are travelling from outside Gajraula, 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 CNRB0018581 and your account number.

Verifying IFSC CNRB0018581 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 CNRB0018581 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 Specialised SME Branch Gajraula branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0018581, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0018581 belongs to Canara Bank's SPECIALISED SME BRANCH GAJRAULA branch, located at NEAR RAILWAY STATION TEHSIL DHANAURA JYOTIBA PHULE NAGAR 244 235 in GAJRAULA, UTTAR PRADESH. 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.