This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, JHARGRAM branch in JHARGRAM. The 11-digit IFSC CNRB0004103 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 JHARGRAM 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.
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, CNRB0004103 is the IFSC of Canara Bank's JHARGRAM branch. The format is fixed: CNRB = bank code, 0 = reserved, 004103 = branch identifier.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Jhargram |
| IFSC Code | CNRB0004103 |
| MICR Code | Refer to cheque leaf |
| Branch Address | HOUSE NO 1/669, BALARAMDIHI, JHARGRAM, DIST PASCHIM MEDINIPUR, WEST BENGAL721507 |
| City | Jhargram |
| District | Medinipur |
| State | West Bengal |
About the bank
Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Jhargram branch in Jhargram, West Bengal is part of this network and uses the IFSC code CNRB0004103 for all electronic settlement.
About the Jhargram branch
The Jhargram branch of Canara Bank is situated at HOUSE NO 1/669, BALARAMDIHI, JHARGRAM, DIST PASCHIM MEDINIPUR, WEST BENGAL721507. 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 CNRB0004103 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 JHARGRAM branch came to be assigned the code CNRB0004103.
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 CNRB0004103, money simply cannot be routed to the JHARGRAM branch electronically.
How to transfer money using IFSC CNRB0004103
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 CNRB0004103 across all three.
NEFT to Canara Bank, JHARGRAM using IFSC CNRB0004103
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 CNRB0004103, and confirm that the system picks up Canara Bank – JHARGRAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JHARGRAM
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's JHARGRAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0004103 while initiating the transfer and the credit will appear within minutes.
IMPS to Canara Bank JHARGRAM (IFSC CNRB0004103)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0004103 in your mobile or internet banking app, and the money is credited to the JHARGRAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Jhargram
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 CNRB0004103:
- 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 JHARGRAM is still linked to IFSC CNRB0004103.
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 CNRB0004103
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 – JHARGRAM is still mapped to IFSC CNRB0004103. 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 CNRB0004103 and the beneficiary's account number to complete the transfer.
Account types you can open at the Jhargram branch
Once you have an account at Canara Bank – JHARGRAM, the IFSC CNRB0004103 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 Jhargram 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 CNRB0004103
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 CNRB0004103 and the account number together uniquely identify the Jhargram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC CNRB0004103
Canara Bank customers can register for net banking and the bank's official mobile app once their account at the JHARGRAM 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 CNRB0004103 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.
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 – JHARGRAM:
- The IFSC is exactly CNRB0004103 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 JHARGRAM 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 Jhargram branch sits at HOUSE NO 1/669, BALARAMDIHI, JHARGRAM, DIST PASCHIM MEDINIPUR, WEST BENGAL721507. If you are travelling from outside Jhargram, 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 CNRB0004103 and your account number.
Verifying IFSC CNRB0004103 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 CNRB0004103 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 Jhargram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0004103, however, work 24x7.
Branch address & contact
Canara BankJhargram Branch
HOUSE NO 1/669, BALARAMDIHI, JHARGRAM, DIST PASCHIM MEDINIPUR, WEST BENGAL721507
Jhargram, West Bengal
Phone: the branch contact number
IFSC: CNRB0004103
Frequently asked questions
How quickly will an NEFT transfer using CNRB0004103 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Jhargram reflect within 30 minutes.
What is the phone number of Canara Bank Jhargram branch?
You can reach the branch at the branch contact number during regular banking hours.
Can I use IFSC CNRB0004103 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0004103 to send funds instantly.
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 Jhargram branch but serve different purposes.
How do I add Canara Bank Jhargram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0004103, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Canara Bank Jhargram branch located?
Canara Bank's Jhargram branch is located at HOUSE NO 1/669, BALARAMDIHI, JHARGRAM, DIST PASCHIM MEDINIPUR, WEST BENGAL721507, Jhargram, West Bengal.
Does Canara Bank Jhargram branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Final notes
To recap: CNRB0004103 is the IFSC code of Canara Bank, JHARGRAM branch, in JHARGRAM, 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.
