This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, CIRCLE OFFICE KARNAL branch in KARNAL. The 11-digit IFSC CNRB0CO7945 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 CIRCLE OFFICE KARNAL 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.
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 – CIRCLE OFFICE KARNAL is CNRB0CO7945. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CO7945 map to this branch in KARNAL, HARYANA.
About the bank
Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Circle Office Karnal branch in Karnal, Haryana is part of this network and uses the IFSC code CNRB0CO7945 for all electronic settlement.
About the Circle Office Karnal branch
The Circle Office Karnal branch of Canara Bank is situated at CANARA BANK,CIRCLE OFFICE,KUNJPURA ROAD KARNAL 132001 HARYANA. 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 CNRB0CO7945 is used.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Circle Office Karnal |
| IFSC Code | CNRB0CO7945 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK,CIRCLE OFFICE,KUNJPURA ROAD KARNAL 132001 HARYANA |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 91 |
| Phone | 1234567890 |
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 CIRCLE OFFICE KARNAL of Canara Bank — its own 11-character IFSC. The code CNRB0CO7945 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 CNRB0CO7945 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR & cheque-truncation details
Cheques drawn on the Circle Office Karnal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0CO7945 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 CNRB0CO7945
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 CNRB0CO7945 across all three.
NEFT to Canara Bank, CIRCLE OFFICE KARNAL using IFSC CNRB0CO7945
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 CNRB0CO7945, and confirm that the system picks up Canara Bank – CIRCLE OFFICE KARNAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CNRB0CO7945
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Canara Bank – CIRCLE OFFICE KARNAL, ensure your bank's portal accepts IFSC CNRB0CO7945 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Canara Bank CIRCLE OFFICE KARNAL (IFSC CNRB0CO7945)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0CO7945 in your mobile or internet banking app, and the money is credited to the CIRCLE OFFICE KARNAL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CNRB0CO7945 for Canara Bank – CIRCLE OFFICE KARNAL, 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 – CNRB0CO7945 | Yes – CNRB0CO7945 | Yes – CNRB0CO7945 |
For most retail customers crediting the Circle Office Karnal 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 CIRCLE OFFICE KARNAL branch, the IFSC CNRB0CO7945 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 Circle Office Karnal branch
Once you have an account at Canara Bank – CIRCLE OFFICE KARNAL, the IFSC CNRB0CO7945 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 Circle Office Karnal branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-1234567890.
- 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 CNRB0CO7945
Digital banking channels
Most day-to-day work that customers used to do at the Circle Office 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 CNRB0CO7945 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.
Reaching the branch
The Circle Office Karnal branch sits at CANARA BANK,CIRCLE OFFICE,KUNJPURA ROAD KARNAL 132001 HARYANA. If you are travelling from outside Karnal, search for the branch on a maps application using the bank name and locality, or call 91-1234567890 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 CNRB0CO7945 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 – CIRCLE OFFICE KARNAL:
- The IFSC is exactly CNRB0CO7945 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 CIRCLE OFFICE 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.
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 Circle Office Karnal branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0CO7945, however, work 24x7.
Verifying IFSC CNRB0CO7945 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 CNRB0CO7945 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 BankCircle Office Karnal Branch
CANARA BANK,CIRCLE OFFICE,KUNJPURA ROAD KARNAL 132001 HARYANA
Karnal, Haryana
Phone: 91-1234567890
IFSC: CNRB0CO7945
Frequently asked questions
What is the phone number of Canara Bank Circle Office Karnal branch?
You can reach the branch at 91-1234567890 during regular banking hours.
How quickly will an NEFT transfer using CNRB0CO7945 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Circle Office Karnal reflect within 30 minutes.
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 Circle Office Karnal branch but serve different purposes.
How do I add Canara Bank Circle Office Karnal as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0CO7945, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Canara Bank Circle Office Karnal branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-1234567890 to confirm.
Is IFSC CNRB0CO7945 the same for all accounts at Circle Office Karnal branch?
Yes. The IFSC CNRB0CO7945 is shared by every account held at Canara Bank's Circle Office Karnal branch. Only the account number changes from customer to customer.
Can I use IFSC CNRB0CO7945 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0CO7945 to send funds instantly.
Final notes
To recap: CNRB0CO7945 is the IFSC code of Canara Bank, CIRCLE OFFICE 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.
