IFSC Code of Canara Bank, Muttil Branch, Kerala

If you are searching for the IFSC code of Canara Bank, MUTTIL branch in KALPETTA, KERALA, this page has every detail you need. The verified IFSC code for this branch is CNRB0005970. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the MUTTIL branch, and detailed step-by-step guides for using the IFSC CNRB0005970 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – MUTTIL is CNRB0005970. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 005970 map to this branch in KALPETTA, KERALA.

About the bank

Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Muttil branch in Kalpetta, Kerala is part of this network and uses the IFSC code CNRB0005970 for all electronic settlement.

Branch details at a glance

About the Muttil branch

The Muttil branch of Canara Bank is situated at CANARA BANK NO 726 6 GRND FLOOR NR PANCHAYAT OF MUTTIL POST WAYNAD DISTRICT MUTTIL KERALA 673102. 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 CNRB0005970 is used.

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 MUTTIL of Canara Bank — its own 11-character IFSC. The code CNRB0005970 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 CNRB0005970 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Muttil branch

Once you have an account at Canara Bank – MUTTIL, the IFSC CNRB0005970 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 Muttil 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 CNRB0005970

How to transfer money using IFSC CNRB0005970

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 CNRB0005970 across all three.

NEFT to Canara Bank, MUTTIL using IFSC CNRB0005970

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 CNRB0005970, and confirm that the system picks up Canara Bank – MUTTIL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MUTTIL

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's MUTTIL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0005970 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 – MUTTIL, use IMPS. With IFSC CNRB0005970 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 CNRB0005970 for Canara Bank – MUTTIL, 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 Muttil 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 MUTTIL branch, the IFSC CNRB0005970 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 CNRB0005970

Canara Bank customers can register for net banking and the bank's official mobile app once their account at the MUTTIL 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 CNRB0005970 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 & cheque-truncation details

Cheques drawn on the Muttil branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0005970 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC CNRB0005970

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 – MUTTIL, 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: CNRB0005970.
• 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 Muttil branch

The branch is located at CANARA BANK NO 726 6 GRND FLOOR NR PANCHAYAT OF MUTTIL POST WAYNAD DISTRICT MUTTIL KERALA 673102, which puts it inside Kalpetta, the broader Wayanad district, and the state of Kerala. To plan your visit:

1. Open Google Maps on your phone and search for “Canara Bank Muttil branch” — the verified location pin for IFSC CNRB0005970 should appear at the top of the results.
2. Confirm the branch is open by calling 4936-9446407948 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 CNRB0005970 and your account number.

Verifying IFSC CNRB0005970 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 CNRB0005970 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 4936-9446407948.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Muttil 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 CNRB0005970 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0005970 belongs to Canara Bank's MUTTIL branch, located at CANARA BANK NO 726 6 GRND FLOOR NR PANCHAYAT OF MUTTIL POST WAYNAD DISTRICT… in KALPETTA, KERALA. 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.