IFSC Code of Canara Bank, Palya Branch, Karnataka

Below are the complete branch details for Canara Bank, PALYA branch, located in KOLLEGAL, KARNATAKA. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0003839. 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 CNRB0003839 for Canara Bank – PALYA — 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 – PALYA is CNRB0003839. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003839 map to this branch in KOLLEGAL, KARNATAKA.

About the bank

Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Palya branch in Kollegal, Karnataka is part of this network and uses the IFSC code CNRB0003839 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at CANARA BANK,167/2, SHEELAMMA NILAYA, MAIN ROAD, PALYA VILL POST, KOLLEGAL TALUK, CHAMRAJNAGAR DIST PIN 571484. It serves the Kollegal 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 CNRB0003839 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 PALYA branch came to be assigned the code CNRB0003839.

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 CNRB0003839, money simply cannot be routed to the PALYA branch electronically.

Products and account variants supported

Every account opened at the Palya branch is mapped to IFSC CNRB0003839 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 CNRB0003839.

Banking services available

The Palya branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8224-267066.

• 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 CNRB0003839

How to transfer money using IFSC CNRB0003839

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 CNRB0003839 across all three.

How to use IFSC CNRB0003839 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's PALYA 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 CNRB0003839.
4. Confirm the bank name auto-populates as Canara Bank and the branch as PALYA.
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 PALYA

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's PALYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0003839 while initiating the transfer and the credit will appear within minutes.

IMPS to Canara Bank PALYA (IFSC CNRB0003839)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0003839 in your mobile or internet banking app, and the money is credited to the PALYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Palya

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 CNRB0003839:

• 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 PALYA is still linked to IFSC CNRB0003839.

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 CNRB0003839

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 – PALYA is still mapped to IFSC CNRB0003839. 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 CNRB0003839 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Palya 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 CNRB0003839 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 CNRB0003839 and the account number together uniquely identify the Palya 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 – PALYA:

• The IFSC is exactly CNRB0003839 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 PALYA 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 Palya branch sits at CANARA BANK,167/2, SHEELAMMA NILAYA, MAIN ROAD, PALYA VILL POST, KOLLEGAL TALUK, CHAMRAJNAGAR DIST PIN 571484. If you are travelling from outside Kollegal, search for the branch on a maps application using the bank name and locality, or call 8224-267066 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 CNRB0003839 and your account number.

Verifying IFSC CNRB0003839 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 CNRB0003839 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8224-267066.
• 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 Palya branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0003839, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0003839 belongs to Canara Bank's PALYA branch, located at CANARA BANK,167/2, SHEELAMMA NILAYA, MAIN ROAD, PALYA VILL POST, KOLLEGAL… in KOLLEGAL, KARNATAKA. 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.