Use this page as a one-stop reference for everything related to Canara Bank's HEON branch in HEON, PUNJAB. The branch's IFSC code CNRB0019658 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.
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 HEON branch, the IFSC CNRB0019658 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 019658 identifies this particular branch.
About the bank
Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Heon branch in Heon, Punjab is part of this network and uses the IFSC code CNRB0019658 for all electronic settlement.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Heon |
| IFSC Code | CNRB0019658 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR BUS STAND VILL AND PO HEON TEHSIL BANGA DIST NAWAN SHAHAR HEON PUNJAB 144505 |
| City | Heon |
| District | Nawan Shahar |
| State | Punjab |
Heon branch overview
Located at NEAR BUS STAND VILL AND PO HEON TEHSIL BANGA DIST NAWAN SHAHAR HEON PUNJAB 144505, the Heon branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CNRB0019658 is required for all interbank electronic transfers routed through this branch.
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 HEON of Canara Bank — its own 11-character IFSC. The code CNRB0019658 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 CNRB0019658 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 Heon branch is mapped to IFSC CNRB0019658 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 CNRB0019658.
Products and services
Customers walking into the Heon 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 CNRB0019658
How to transfer money using IFSC CNRB0019658
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 CNRB0019658 across all three.
How to use IFSC CNRB0019658 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's HEON 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 CNRB0019658.
- Confirm the bank name auto-populates as Canara Bank and the branch as HEON.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CNRB0019658
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 – HEON, ensure your bank's portal accepts IFSC CNRB0019658 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Canara Bank – HEON, use IMPS. With IFSC CNRB0019658 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 Heon
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 CNRB0019658:
- 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 HEON is still linked to IFSC CNRB0019658.
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 HEON branch, the IFSC CNRB0019658 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.
Online banking and IFSC CNRB0019658
Canara Bank customers can register for net banking and the bank's official mobile app once their account at the HEON 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 CNRB0019658 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 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 CNRB0019658 and the account number together uniquely identify the Heon 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 – HEON:
- The IFSC is exactly CNRB0019658 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 HEON 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.
Reaching the branch
The Heon branch sits at NEAR BUS STAND VILL AND PO HEON TEHSIL BANGA DIST NAWAN SHAHAR HEON PUNJAB 144505. If you are travelling from outside Heon, 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 CNRB0019658 and your account number.
Verifying IFSC CNRB0019658 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 CNRB0019658 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 Heon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0019658, however, work 24x7.
Branch address & contact
Canara BankHeon Branch
NEAR BUS STAND VILL AND PO HEON TEHSIL BANGA DIST NAWAN SHAHAR HEON PUNJAB 144505
Heon, Punjab
Phone: the branch contact number
IFSC: CNRB0019658
Frequently asked questions
What is the phone number of Canara Bank Heon branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC CNRB0019658 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0019658 to send funds instantly.
Is IFSC CNRB0019658 the same for all accounts at Heon branch?
Yes. The IFSC CNRB0019658 is shared by every account held at Canara Bank's Heon branch. Only the account number changes from customer to customer.
Where is Canara Bank Heon branch located?
Canara Bank's Heon branch is located at NEAR BUS STAND VILL AND PO HEON TEHSIL BANGA DIST NAWAN SHAHAR HEON PUNJAB 144505, Heon, Punjab.
How do I add Canara Bank Heon as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0019658, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Canara Bank Heon branch?
The IFSC code of Canara Bank, Heon branch is CNRB0019658. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CNRB0019658 valid for NEFT and RTGS?
Yes. IFSC CNRB0019658 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using CNRB0019658 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Heon reflect within 30 minutes.
Summary
The IFSC code CNRB0019658 belongs to Canara Bank's HEON branch, located at NEAR BUS STAND VILL AND PO HEON TEHSIL BANGA DIST NAWAN SHAHAR HEON PUNJAB… in HEON, PUNJAB. 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.
