Below are the complete branch details for Canara Bank, JOSHIMATH branch, located in JOSHIMATH, UTTARAKHAND. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0005547. 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 CNRB0005547 for Canara Bank – JOSHIMATH — 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 JOSHIMATH branch, the IFSC CNRB0005547 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 005547 identifies this particular branch.
About Canara Bank
Canara Bank operates a wide network of branches across India, including the Joshimath branch in Joshimath. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CNRB0005547.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Joshimath |
| IFSC Code | CNRB0005547 |
| MICR Code | Refer to cheque leaf |
| Branch Address | JOSHIMATH,CHAMOLI DIST,UTTARAKHAND 246443 |
| City | Joshimath |
| District | Chamoli |
| State | Uttarakhand |
| STD Code | 91 |
| Phone | 9456591172 |
About the Joshimath branch
The Joshimath branch of Canara Bank is situated at JOSHIMATH,CHAMOLI DIST,UTTARAKHAND 246443. 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 CNRB0005547 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 JOSHIMATH branch came to be assigned the code CNRB0005547.
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 CNRB0005547, money simply cannot be routed to the JOSHIMATH branch electronically.
Products and account variants supported
Every account opened at the Joshimath branch is mapped to IFSC CNRB0005547 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 CNRB0005547.
Banking services available
The Joshimath branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-9456591172.
- 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 CNRB0005547
How to transfer money using IFSC CNRB0005547
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 CNRB0005547 across all three.
NEFT to Canara Bank, JOSHIMATH using IFSC CNRB0005547
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 CNRB0005547, and confirm that the system picks up Canara Bank – JOSHIMATH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to JOSHIMATH
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's JOSHIMATH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0005547 while initiating the transfer and the credit will appear within minutes.
Send money instantly through IMPS
For a real-time, anytime transfer to Canara Bank – JOSHIMATH, use IMPS. With IFSC CNRB0005547 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CNRB0005547 for Canara Bank – JOSHIMATH, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CNRB0005547 | Yes – CNRB0005547 | Yes – CNRB0005547 |
For most retail customers crediting the Joshimath 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.
UPI payments and IFSC CNRB0005547
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 – JOSHIMATH is still mapped to IFSC CNRB0005547. 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 CNRB0005547 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Joshimath branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CNRB0005547 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 CNRB0005547 and the account number together uniquely identify the Joshimath 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 – JOSHIMATH:
- The IFSC is exactly CNRB0005547 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 JOSHIMATH 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.
How to reach the Joshimath branch
The branch is located at JOSHIMATH,CHAMOLI DIST,UTTARAKHAND 246443, which puts it inside Joshimath, the broader Chamoli district, and the state of Uttarakhand. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Joshimath branch” — the verified location pin for IFSC CNRB0005547 should appear at the top of the results.
- Confirm the branch is open by calling 91-9456591172 before stepping out, especially around public holidays.
- 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 CNRB0005547 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CNRB0005547 for Canara Bank – JOSHIMATH, 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 Joshimath 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 CNRB0005547 continue to work without interruption.
Branch address & contact
Canara BankJoshimath Branch
JOSHIMATH,CHAMOLI DIST,UTTARAKHAND 246443
Joshimath, Uttarakhand
Phone: 91-9456591172
IFSC: CNRB0005547
Frequently asked questions
How quickly will an NEFT transfer using CNRB0005547 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Joshimath reflect within 30 minutes.
Where is Canara Bank Joshimath branch located?
Canara Bank's Joshimath branch is located at JOSHIMATH,CHAMOLI DIST,UTTARAKHAND 246443, Joshimath, Uttarakhand.
Does Canara Bank Joshimath branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-9456591172 to confirm.
How do I add Canara Bank Joshimath as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0005547, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC CNRB0005547 the same for all accounts at Joshimath branch?
Yes. The IFSC CNRB0005547 is shared by every account held at Canara Bank's Joshimath branch. Only the account number changes from customer to customer.
What is the phone number of Canara Bank Joshimath branch?
You can reach the branch at 91-9456591172 during regular banking hours.
What is the IFSC code of Canara Bank Joshimath branch?
The IFSC code of Canara Bank, Joshimath branch is CNRB0005547. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code CNRB0005547 belongs to Canara Bank's JOSHIMATH branch, located at JOSHIMATH,CHAMOLI DIST,UTTARAKHAND 246443 in JOSHIMATH, UTTARAKHAND. 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.
