Below are the complete branch details for Canara Bank, KARNAL R O branch, located in KARNAL, HARYANA. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0007989. 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 CNRB0007989 for Canara Bank – KARNAL R O — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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 – KARNAL R O is CNRB0007989. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 007989 map to this branch in KARNAL, HARYANA.
Bank profile
Canara Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Karnal R O branch — IFSC CNRB0007989 — extends the bank's services to customers in and around Karnal, Haryana.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Karnal R O |
| IFSC Code | CNRB0007989 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK BAY SITE 17-18,SECTOR 12,KARNAL HARAYANA 132001 |
| City | Karnal |
| District | Karnal |
| State | Haryana |
| STD Code | 184 |
| Phone | 2205019 |
About this branch
The branch is located at CANARA BANK BAY SITE 17-18,SECTOR 12,KARNAL HARAYANA 132001. It serves the Karnal region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Canara Bank. The IFSC CNRB0007989 is used to identify this branch on the RBI payments network.
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 KARNAL R O branch came to be assigned the code CNRB0007989.
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 CNRB0007989, money simply cannot be routed to the KARNAL R O branch electronically.
Account types you can open at the Karnal R O branch
Once you have an account at Canara Bank – KARNAL R O, the IFSC CNRB0007989 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 Karnal R O branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 184-2205019.
- 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 CNRB0007989
How to transfer money using IFSC CNRB0007989
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 CNRB0007989 across all three.
How to use IFSC CNRB0007989 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's KARNAL R O 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 CNRB0007989.
- Confirm the bank name auto-populates as Canara Bank and the branch as KARNAL R O.
- 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 KARNAL R O
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's KARNAL R O branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0007989 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 – KARNAL R O, use IMPS. With IFSC CNRB0007989 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Karnal R O
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 CNRB0007989:
- 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 KARNAL R O is still linked to IFSC CNRB0007989.
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.
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 KARNAL R O branch, the IFSC CNRB0007989 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.
Digital banking channels
Most day-to-day work that customers used to do at the Karnal R O 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 CNRB0007989 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 CNRB0007989 and the account number together uniquely identify the Karnal R O 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 – KARNAL R O:
- The IFSC is exactly CNRB0007989 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 KARNAL R O 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 Karnal R O branch
The branch is located at CANARA BANK BAY SITE 17-18,SECTOR 12,KARNAL HARAYANA 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 Karnal R O branch” — the verified location pin for IFSC CNRB0007989 should appear at the top of the results.
- Confirm the branch is open by calling 184-2205019 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 CNRB0007989 and your account number.
Verifying IFSC CNRB0007989 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 CNRB0007989 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 184-2205019.
- 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 Karnal R O branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0007989, however, work 24x7.
Branch address & contact
Canara BankKarnal R O Branch
CANARA BANK BAY SITE 17-18,SECTOR 12,KARNAL HARAYANA 132001
Karnal, Haryana
Phone: 184-2205019
IFSC: CNRB0007989
Frequently asked questions
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 Karnal R O branch but serve different purposes.
Does Canara Bank Karnal R O branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 184-2205019 to confirm.
How quickly will an NEFT transfer using CNRB0007989 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Karnal R O reflect within 30 minutes.
Is IFSC CNRB0007989 the same for all accounts at Karnal R O branch?
Yes. The IFSC CNRB0007989 is shared by every account held at Canara Bank's Karnal R O branch. Only the account number changes from customer to customer.
Is IFSC CNRB0007989 valid for NEFT and RTGS?
Yes. IFSC CNRB0007989 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add Canara Bank Karnal R O as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0007989, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code CNRB0007989 belongs to Canara Bank's KARNAL R O branch, located at CANARA BANK BAY SITE 17-18,SECTOR 12,KARNAL HARAYANA 132001 in KARNAL, HARYANA. 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.
