IFSC Code of Canara Bank, Santragachi Branch, West Bengal

Below are the complete branch details for Canara Bank, SANTRAGACHI branch, located in JAGACHA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0004982. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CNRB0004982 for Canara Bank – SANTRAGACHI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 SANTRAGACHI branch, the IFSC CNRB0004982 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 004982 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 Santragachi branch in Jagacha, West Bengal is part of this network and uses the IFSC code CNRB0004982 for all electronic settlement.

Branch details at a glance

About the Santragachi branch

The Santragachi branch of Canara Bank is situated at CANARA BANK G I P COLONY NEAR JAGACHA PS JAGACHA DIST HOWRAH JAGACHA WEST BENGAL 711112. 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 CNRB0004982 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 SANTRAGACHI branch came to be assigned the code CNRB0004982.

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 CNRB0004982, money simply cannot be routed to the SANTRAGACHI branch electronically.

Account types you can open at the Santragachi branch

Once you have an account at Canara Bank – SANTRAGACHI, the IFSC CNRB0004982 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.

Products and services

Customers walking into the Santragachi 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 CNRB0004982

How to transfer money using IFSC CNRB0004982

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 CNRB0004982 across all three.

NEFT to Canara Bank, SANTRAGACHI using IFSC CNRB0004982

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 CNRB0004982, and confirm that the system picks up Canara Bank – SANTRAGACHI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SANTRAGACHI

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's SANTRAGACHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0004982 while initiating the transfer and the credit will appear within minutes.

IMPS to Canara Bank SANTRAGACHI (IFSC CNRB0004982)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0004982 in your mobile or internet banking app, and the money is credited to the SANTRAGACHI branch account within seconds.

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

All three modes accept the IFSC CNRB0004982 for Canara Bank – SANTRAGACHI, 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 Santragachi 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 SANTRAGACHI branch, the IFSC CNRB0004982 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 CNRB0004982

Canara Bank customers can register for net banking and the bank's official mobile app once their account at the SANTRAGACHI 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 CNRB0004982 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 CNRB0004982 and the account number together uniquely identify the Santragachi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC CNRB0004982

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 – SANTRAGACHI, 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: CNRB0004982.
• 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 Santragachi branch

The branch is located at CANARA BANK G I P COLONY NEAR JAGACHA PS JAGACHA DIST HOWRAH JAGACHA WEST BENGAL 711112, which puts it inside Jagacha, the broader Haora district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Canara Bank Santragachi branch” — the verified location pin for IFSC CNRB0004982 should appear at the top of the results.
2. Confirm the branch is open by calling 80-25326209 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 CNRB0004982 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CNRB0004982 for Canara Bank – SANTRAGACHI, 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.

Working hours

Branch counters at Santragachi are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to CNRB0004982 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CNRB0004982 is the IFSC code of Canara Bank, SANTRAGACHI branch, in JAGACHA, WEST BENGAL. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.