Below are the complete branch details for Canara Bank, KHARDI branch, located in KHARDI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0004645. 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 CNRB0004645 for Canara Bank – KHARDI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, CNRB0004645 is the IFSC of Canara Bank's KHARDI branch. The format is fixed: CNRB = bank code, 0 = reserved, 004645 = branch identifier.
About the bank
Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Khardi branch in Khardi, Maharashtra is part of this network and uses the IFSC code CNRB0004645 for all electronic settlement.
About this branch
The branch is located at CANARA BANK FIRST FLOOR, GURU KRUPA COMPLEX BAZAR PETH, MAIN ROAD, TQ SHAHAPUR KHARDI MAHARASHTRA 11. It serves the Khardi 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 CNRB0004645 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Khardi |
| IFSC Code | CNRB0004645 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK FIRST FLOOR, GURU KRUPA COMPLEX BAZAR PETH, MAIN ROAD, TQ SHAHAPUR KHARDI MAHARASHTRA 11 |
| City | Khardi |
| District | Thane |
| State | Maharashtra |
| STD Code | 91 |
| Phone | 1234567890 |
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 KHARDI branch came to be assigned the code CNRB0004645.
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 CNRB0004645, money simply cannot be routed to the KHARDI 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 CNRB0004645 and the account number together uniquely identify the Khardi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CNRB0004645
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 CNRB0004645 across all three.
How to use IFSC CNRB0004645 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's KHARDI 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 CNRB0004645.
- Confirm the bank name auto-populates as Canara Bank and the branch as KHARDI.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CNRB0004645
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 – KHARDI, ensure your bank's portal accepts IFSC CNRB0004645 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Canara Bank KHARDI (IFSC CNRB0004645)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0004645 in your mobile or internet banking app, and the money is credited to the KHARDI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Khardi
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 CNRB0004645:
- 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 KHARDI is still linked to IFSC CNRB0004645.
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.
UPI payments and IFSC CNRB0004645
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 – KHARDI is still mapped to IFSC CNRB0004645. 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 CNRB0004645 and the beneficiary's account number to complete the transfer.
Account types you can open at the Khardi branch
Once you have an account at Canara Bank – KHARDI, the IFSC CNRB0004645 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.
Products and services
Customers walking into the Khardi 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 CNRB0004645
Digital banking channels
Most day-to-day work that customers used to do at the Khardi 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 CNRB0004645 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 Khardi branch
The branch is located at CANARA BANK FIRST FLOOR, GURU KRUPA COMPLEX BAZAR PETH, MAIN ROAD, TQ SHAHAPUR KHARDI MAHARASHTRA 11, which puts it inside Khardi, the broader Thane district, and the state of Maharashtra. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Khardi branch” — the verified location pin for IFSC CNRB0004645 should appear at the top of the results.
- Confirm the branch is open by calling 91-1234567890 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 CNRB0004645 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 – KHARDI:
- The IFSC is exactly CNRB0004645 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 KHARDI 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 Khardi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0004645, however, work 24x7.
Verifying IFSC CNRB0004645 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 CNRB0004645 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 BankKhardi Branch
CANARA BANK FIRST FLOOR, GURU KRUPA COMPLEX BAZAR PETH, MAIN ROAD, TQ SHAHAPUR KHARDI MAHARASHTRA 11
Khardi, Maharashtra
Phone: 91-1234567890
IFSC: CNRB0004645
Frequently asked questions
What is the IFSC code of Canara Bank Khardi branch?
The IFSC code of Canara Bank, Khardi branch is CNRB0004645. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Canara Bank Khardi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0004645, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Canara Bank Khardi branch?
You can reach the branch at 91-1234567890 during regular banking hours.
Is IFSC CNRB0004645 the same for all accounts at Khardi branch?
Yes. The IFSC CNRB0004645 is shared by every account held at Canara Bank's Khardi branch. Only the account number changes from customer to customer.
Does Canara Bank Khardi branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-1234567890 to confirm.
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 Khardi branch but serve different purposes.
Can I use IFSC CNRB0004645 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0004645 to send funds instantly.
Is IFSC CNRB0004645 valid for NEFT and RTGS?
Yes. IFSC CNRB0004645 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code CNRB0004645 belongs to Canara Bank's KHARDI branch, located at CANARA BANK FIRST FLOOR, GURU KRUPA COMPLEX BAZAR PETH, MAIN ROAD, TQ SHAHAPUR… in KHARDI, MAHARASHTRA. 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.
