IFSC Code of Canara Bank, Kayamkulam Branch, Kerala

Use this page as a one-stop reference for everything related to Canara Bank's KAYAMKULAM branch in KAYAMKULAM, KERALA. The branch's IFSC code CNRB0002320 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 KAYAMKULAM branch, the IFSC CNRB0002320 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 002320 identifies this particular branch.

About Canara Bank

Canara Bank operates a wide network of branches across India, including the Kayamkulam branch in Kayamkulam. 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, CNRB0002320.

About the Kayamkulam branch

The Kayamkulam branch of Canara Bank is situated at NELSON COMPLEX, PUTHIYADAM BLOCK,MUTHUKULAM,KAYAMKULAM POST 690 502. 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 CNRB0002320 is used.

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 KAYAMKULAM branch came to be assigned the code CNRB0002320.

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 CNRB0002320, money simply cannot be routed to the KAYAMKULAM branch electronically.

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 CNRB0002320 and the account number together uniquely identify the Kayamkulam branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CNRB0002320

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 CNRB0002320 across all three.

How to use IFSC CNRB0002320 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's KAYAMKULAM 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 CNRB0002320.
4. Confirm the bank name auto-populates as Canara Bank and the branch as KAYAMKULAM.
5. 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 KAYAMKULAM

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's KAYAMKULAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0002320 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 – KAYAMKULAM, use IMPS. With IFSC CNRB0002320 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CNRB0002320 for Canara Bank – KAYAMKULAM, 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.

For most retail customers crediting the Kayamkulam 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.

UPI payments and IFSC CNRB0002320

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 – KAYAMKULAM is still mapped to IFSC CNRB0002320. 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 CNRB0002320 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Kayamkulam branch is mapped to IFSC CNRB0002320 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 CNRB0002320.

Banking services available

The Kayamkulam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 479-2445341.

• 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 CNRB0002320

Digital banking channels

Most day-to-day work that customers used to do at the Kayamkulam 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 CNRB0002320 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 Kayamkulam branch sits at NELSON COMPLEX, PUTHIYADAM BLOCK,MUTHUKULAM,KAYAMKULAM POST 690 502. If you are travelling from outside Kayamkulam, search for the branch on a maps application using the bank name and locality, or call 479-2445341 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 CNRB0002320 and your account number.

Common mistakes to avoid when using IFSC CNRB0002320

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Canara Bank – KAYAMKULAM, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: CNRB0002320.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

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 Kayamkulam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0002320, however, work 24x7.

Verifying IFSC CNRB0002320 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 CNRB0002320 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 479-2445341.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0002320 belongs to Canara Bank's KAYAMKULAM branch, located at NELSON COMPLEX, PUTHIYADAM BLOCK,MUTHUKULAM,KAYAMKULAM POST 690 502 in KAYAMKULAM, KERALA. 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.