IFSC Code of Canara Bank, Kugaiyanallore Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, KUGAIYANALLORE branch in KATPADI. The 11-digit IFSC CNRB0004012 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 KUGAIYANALLORE 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 – KUGAIYANALLORE is CNRB0004012. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004012 map to this branch in KATPADI, TAMIL NADU.

About Canara Bank

Canara Bank operates a wide network of branches across India, including the Kugaiyanallore branch in Katpadi. 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, CNRB0004012.

Branch details at a glance

About this branch

The branch is located at 423 A, ARUNACHALESWAR NAGAR, PONNAI KOOT ROAD, KALIVAN THENGAL ROAD, KUGAIYANALLORE, KATPADI TALUK, PIN 632 515, VELLORE DISTRICT TAMILNADU. It serves the Katpadi 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 CNRB0004012 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 KUGAIYANALLORE branch came to be assigned the code CNRB0004012.

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 CNRB0004012, money simply cannot be routed to the KUGAIYANALLORE branch electronically.

Products and account variants supported

Every account opened at the Kugaiyanallore branch is mapped to IFSC CNRB0004012 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 CNRB0004012.

Products and services

Customers walking into the Kugaiyanallore 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 CNRB0004012

How to transfer money using IFSC CNRB0004012

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 CNRB0004012 across all three.

NEFT to Canara Bank, KUGAIYANALLORE using IFSC CNRB0004012

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 CNRB0004012, and confirm that the system picks up Canara Bank – KUGAIYANALLORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KUGAIYANALLORE

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's KUGAIYANALLORE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0004012 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 – KUGAIYANALLORE, use IMPS. With IFSC CNRB0004012 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 Kugaiyanallore

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 CNRB0004012:

• 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 KUGAIYANALLORE is still linked to IFSC CNRB0004012.

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 KUGAIYANALLORE branch, the IFSC CNRB0004012 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 CNRB0004012

Canara Bank customers can register for net banking and the bank's official mobile app once their account at the KUGAIYANALLORE 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 CNRB0004012 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 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 CNRB0004012 and the account number together uniquely identify the Kugaiyanallore 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 – KUGAIYANALLORE:

• The IFSC is exactly CNRB0004012 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 KUGAIYANALLORE 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.

Reaching the branch

The Kugaiyanallore branch sits at 423 A, ARUNACHALESWAR NAGAR, PONNAI KOOT ROAD, KALIVAN THENGAL ROAD, KUGAIYANALLORE, KATPADI TALUK, PIN 632 515, VELLORE DISTRICT TAMILNADU. If you are travelling from outside Katpadi, 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 CNRB0004012 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CNRB0004012 for Canara Bank – KUGAIYANALLORE, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Kugaiyanallore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0004012, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0004012 belongs to Canara Bank's KUGAIYANALLORE branch, located at 423 A, ARUNACHALESWAR NAGAR, PONNAI KOOT ROAD, KALIVAN THENGAL ROAD,… in KATPADI, TAMIL NADU. 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.