Use this page as a one-stop reference for everything related to Canara Bank's JOSHIMATH II branch in JOSHIMATH, UTTARAKHAND. The branch's IFSC code CNRB0018977 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Canara Bank – JOSHIMATH II is CNRB0018977. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 018977 map to this branch in JOSHIMATH, UTTARAKHAND.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Joshimath Ii |
| IFSC Code | CNRB0018977 |
| MICR Code | Refer to cheque leaf |
| Branch Address | NEAR INDANE GAS AGENCY RAVI GRAM JOSHIMATH DIST CHAMOLI CHAMOLI UTTARAKHAND 246443 |
| City | Joshimath |
| District | Chamoli |
| State | Uttarakhand |
Bank profile
Canara Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Joshimath Ii branch — IFSC CNRB0018977 — extends the bank's services to customers in and around Joshimath, Uttarakhand.
About the Joshimath Ii branch
The Joshimath Ii branch of Canara Bank is situated at NEAR INDANE GAS AGENCY RAVI GRAM JOSHIMATH DIST CHAMOLI CHAMOLI 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 CNRB0018977 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 II branch came to be assigned the code CNRB0018977.
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 CNRB0018977, money simply cannot be routed to the JOSHIMATH II branch electronically.
How to transfer money using IFSC CNRB0018977
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 CNRB0018977 across all three.
How to use IFSC CNRB0018977 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's JOSHIMATH II 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 CNRB0018977.
- Confirm the bank name auto-populates as Canara Bank and the branch as JOSHIMATH II.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to JOSHIMATH II
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's JOSHIMATH II branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0018977 while initiating the transfer and the credit will appear within minutes.
IMPS to Canara Bank JOSHIMATH II (IFSC CNRB0018977)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0018977 in your mobile or internet banking app, and the money is credited to the JOSHIMATH II branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CNRB0018977 for Canara Bank – JOSHIMATH II, 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 – CNRB0018977 | Yes – CNRB0018977 | Yes – CNRB0018977 |
For most retail customers crediting the Joshimath Ii 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 JOSHIMATH II branch, the IFSC CNRB0018977 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 Joshimath Ii branch
Once you have an account at Canara Bank – JOSHIMATH II, the IFSC CNRB0018977 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 Joshimath Ii 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 CNRB0018977
MICR & cheque-truncation details
Cheques drawn on the Joshimath Ii branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0018977 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Joshimath Ii 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 CNRB0018977 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.
Common mistakes to avoid when using IFSC CNRB0018977
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 – JOSHIMATH II, 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:
CNRB0018977. - 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 Joshimath Ii branch sits at NEAR INDANE GAS AGENCY RAVI GRAM JOSHIMATH DIST CHAMOLI CHAMOLI UTTARAKHAND 246443. If you are travelling from outside Joshimath, 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 CNRB0018977 and your account number.
Verifying IFSC CNRB0018977 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 CNRB0018977 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 Joshimath Ii branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0018977, however, work 24x7.
Branch address & contact
Canara BankJoshimath Ii Branch
NEAR INDANE GAS AGENCY RAVI GRAM JOSHIMATH DIST CHAMOLI CHAMOLI UTTARAKHAND 246443
Joshimath, Uttarakhand
Phone: the branch contact number
IFSC: CNRB0018977
Frequently asked questions
Can I use IFSC CNRB0018977 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0018977 to send funds instantly.
How do I add Canara Bank Joshimath Ii as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0018977, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC CNRB0018977 the same for all accounts at Joshimath Ii branch?
Yes. The IFSC CNRB0018977 is shared by every account held at Canara Bank's Joshimath Ii branch. Only the account number changes from customer to customer.
Is IFSC CNRB0018977 valid for NEFT and RTGS?
Yes. IFSC CNRB0018977 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Canara Bank Joshimath Ii branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
Where is Canara Bank Joshimath Ii branch located?
Canara Bank's Joshimath Ii branch is located at NEAR INDANE GAS AGENCY RAVI GRAM JOSHIMATH DIST CHAMOLI CHAMOLI UTTARAKHAND 246443, Joshimath, Uttarakhand.
Summary
The IFSC code CNRB0018977 belongs to Canara Bank's JOSHIMATH II branch, located at NEAR INDANE GAS AGENCY RAVI GRAM JOSHIMATH DIST CHAMOLI CHAMOLI UTTARAKHAND… 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.
