IFSC Code of Canara Bank, Specialised SME Branch Kavaratti Branch, Lakshadweep

Below are the complete branch details for Canara Bank, SPECIALISED SME BRANCH KAVARATTI branch, located in KAVARATTI, LAKSHADWEEP. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0019950. 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 CNRB0019950 for Canara Bank – SPECIALISED SME BRANCH KAVARATTI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Canara Bank's SPECIALISED SME BRANCH KAVARATTI branch, the IFSC CNRB0019950 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 019950 identifies this particular branch.

Bank profile

Canara Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Specialised SME Branch Kavaratti branch — IFSC CNRB0019950 — extends the bank's services to customers in and around Kavaratti, Lakshadweep.

Specialised SME Branch Kavaratti branch overview

Located at P O KOCHI LAKSHADWEEP U T OF LAKSHADWEEP 682 555, the Specialised SME Branch Kavaratti branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CNRB0019950 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 SPECIALISED SME BRANCH KAVARATTI branch came to be assigned the code CNRB0019950.

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 CNRB0019950, money simply cannot be routed to the SPECIALISED SME BRANCH KAVARATTI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Specialised SME Branch Kavaratti branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0019950 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 CNRB0019950

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 CNRB0019950 across all three.

How to use IFSC CNRB0019950 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's SPECIALISED SME BRANCH KAVARATTI 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CNRB0019950.
4. Confirm the bank name auto-populates as Canara Bank and the branch as SPECIALISED SME BRANCH KAVARATTI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CNRB0019950

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 – SPECIALISED SME BRANCH KAVARATTI, ensure your bank's portal accepts IFSC CNRB0019950 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Canara Bank – SPECIALISED SME BRANCH KAVARATTI, use IMPS. With IFSC CNRB0019950 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 Specialised SME Branch Kavaratti

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 CNRB0019950:

• 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 SPECIALISED SME BRANCH KAVARATTI is still linked to IFSC CNRB0019950.

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 SPECIALISED SME BRANCH KAVARATTI branch, the IFSC CNRB0019950 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.

Products and account variants supported

Every account opened at the Specialised SME Branch Kavaratti branch is mapped to IFSC CNRB0019950 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 CNRB0019950.

Banking services available

The Specialised SME Branch Kavaratti branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.

• 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 CNRB0019950

Digital banking channels

Most day-to-day work that customers used to do at the Specialised SME Branch Kavaratti 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 CNRB0019950 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 Specialised SME Branch Kavaratti branch

The branch is located at P O KOCHI LAKSHADWEEP U T OF LAKSHADWEEP 682 555, which puts it inside Kavaratti, the broader Ernakulam district, and the state of Lakshadweep. To plan your visit:

1. Open Google Maps on your phone and search for “Canara Bank Specialised SME Branch Kavaratti branch” — the verified location pin for IFSC CNRB0019950 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number 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 CNRB0019950 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 – SPECIALISED SME BRANCH KAVARATTI:

• The IFSC is exactly CNRB0019950 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 SPECIALISED SME BRANCH KAVARATTI 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 Specialised SME Branch Kavaratti 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 CNRB0019950 continue to work without interruption.

Verifying IFSC CNRB0019950 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 CNRB0019950 by:

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

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0019950 belongs to Canara Bank's SPECIALISED SME BRANCH KAVARATTI branch, located at P O KOCHI LAKSHADWEEP U T OF LAKSHADWEEP 682 555 in KAVARATTI, LAKSHADWEEP. 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.