Below are the complete branch details for Canara Bank, AGRICULTURAL FINANCE BR,KARNAL branch, located in KARNAL, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0002389. 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 CNRB0002389 for Canara Bank – AGRICULTURAL FINANCE BR,KARNAL — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, CNRB0002389 is the IFSC of Canara Bank's AGRICULTURAL FINANCE BR,KARNAL branch. The format is fixed: CNRB = bank code, 0 = reserved, 002389 = branch identifier.
About Canara Bank
Canara Bank operates a wide network of branches across India, including the Agricultural Finance Br,Karnal branch in Karnal. 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, CNRB0002389.
Agricultural Finance Br,Karnal branch overview
Located at 87, DAYAL SINGH COLONY, KARNAL 132001, the Agricultural Finance Br,Karnal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CNRB0002389 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Agricultural Finance Br,Karnal |
| IFSC Code | CNRB0002389 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 87, DAYAL SINGH COLONY, KARNAL 132001 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 91 |
| Phone | 1234567890 |
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 AGRICULTURAL FINANCE BR,KARNAL branch came to be assigned the code CNRB0002389.
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 CNRB0002389, money simply cannot be routed to the AGRICULTURAL FINANCE BR,KARNAL branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Agricultural Finance Br,Karnal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0002389 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC CNRB0002389
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 CNRB0002389 across all three.
NEFT to Canara Bank, AGRICULTURAL FINANCE BR,KARNAL using IFSC CNRB0002389
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 CNRB0002389, and confirm that the system picks up Canara Bank – AGRICULTURAL FINANCE BR,KARNAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to AGRICULTURAL FINANCE BR,KARNAL
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's AGRICULTURAL FINANCE BR,KARNAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0002389 while initiating the transfer and the credit will appear within minutes.
IMPS to Canara Bank AGRICULTURAL FINANCE BR,KARNAL (IFSC CNRB0002389)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0002389 in your mobile or internet banking app, and the money is credited to the AGRICULTURAL FINANCE BR,KARNAL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Agricultural Finance Br,Karnal
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 CNRB0002389:
- 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 AGRICULTURAL FINANCE BR,KARNAL is still linked to IFSC CNRB0002389.
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 CNRB0002389
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 – AGRICULTURAL FINANCE BR,KARNAL is still mapped to IFSC CNRB0002389. 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 CNRB0002389 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Agricultural Finance Br,Karnal branch is mapped to IFSC CNRB0002389 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 CNRB0002389.
Products and services
Customers walking into the Agricultural Finance Br,Karnal 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 CNRB0002389
Digital banking channels
Most day-to-day work that customers used to do at the Agricultural Finance Br,Karnal 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 CNRB0002389 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.
How to reach the Agricultural Finance Br,Karnal branch
The branch is located at 87, DAYAL SINGH COLONY, KARNAL 132001, which puts it inside Karnal, the broader Karnal district, and the state of Haryana. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Agricultural Finance Br,Karnal branch” — the verified location pin for IFSC CNRB0002389 should appear at the top of the results.
- Confirm the branch is open by calling 91-1234567890 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 CNRB0002389 and your account number.
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 – AGRICULTURAL FINANCE BR,KARNAL:
- The IFSC is exactly CNRB0002389 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 AGRICULTURAL FINANCE BR,KARNAL 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.
Working hours
Branch counters at Agricultural Finance Br,Karnal 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 CNRB0002389 continue to work without interruption.
Verifying IFSC CNRB0002389 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 CNRB0002389 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-1234567890.
- Visiting the bank's official branch locator page.
Branch address & contact
Canara BankAgricultural Finance Br,Karnal Branch
87, DAYAL SINGH COLONY, KARNAL 132001
Karnal, Haryana
Phone: 91-1234567890
IFSC: CNRB0002389
Frequently asked questions
How quickly will an NEFT transfer using CNRB0002389 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Agricultural Finance Br,Karnal reflect within 30 minutes.
Where is Canara Bank Agricultural Finance Br,Karnal branch located?
Canara Bank's Agricultural Finance Br,Karnal branch is located at 87, DAYAL SINGH COLONY, KARNAL 132001, Karnal, Haryana.
Is IFSC CNRB0002389 the same for all accounts at Agricultural Finance Br,Karnal branch?
Yes. The IFSC CNRB0002389 is shared by every account held at Canara Bank's Agricultural Finance Br,Karnal branch. Only the account number changes from customer to customer.
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 Agricultural Finance Br,Karnal branch but serve different purposes.
What is the phone number of Canara Bank Agricultural Finance Br,Karnal branch?
You can reach the branch at 91-1234567890 during regular banking hours.
Can I use IFSC CNRB0002389 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0002389 to send funds instantly.
Is IFSC CNRB0002389 valid for NEFT and RTGS?
Yes. IFSC CNRB0002389 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Canara Bank Agricultural Finance Br,Karnal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-1234567890 to confirm.
Final notes
To recap: CNRB0002389 is the IFSC code of Canara Bank, AGRICULTURAL FINANCE BR,KARNAL branch, in KARNAL, HARYANA. 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.
