Use this page as a one-stop reference for everything related to Canara Bank's SARABHA NAGAR, LUDHIANA branch in LUDHIANA, PUNJAB. The branch's IFSC code CNRB0003035 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.
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, CNRB0003035 is the IFSC of Canara Bank's SARABHA NAGAR, LUDHIANA branch. The format is fixed: CNRB = bank code, 0 = reserved, 003035 = branch identifier.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Sarabha Nagar, Ludhiana |
| IFSC Code | CNRB0003035 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SACRED HEART SCHOOL SARABHA NAGAR LUDHIANA-141001 |
| City | Ludhiana |
| District | Ludhiana |
| State | Punjab |
| STD Code | 161 |
| Phone | 2451096 |
About Canara Bank
Canara Bank operates a wide network of branches across India, including the Sarabha Nagar, Ludhiana branch in Ludhiana. 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, CNRB0003035.
About this branch
The branch is located at SACRED HEART SCHOOL SARABHA NAGAR LUDHIANA-141001. It serves the Ludhiana 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 CNRB0003035 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 SARABHA NAGAR, LUDHIANA branch came to be assigned the code CNRB0003035.
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 CNRB0003035, money simply cannot be routed to the SARABHA NAGAR, LUDHIANA branch electronically.
How to transfer money using IFSC CNRB0003035
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 CNRB0003035 across all three.
NEFT to Canara Bank, SARABHA NAGAR, LUDHIANA using IFSC CNRB0003035
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 CNRB0003035, and confirm that the system picks up Canara Bank – SARABHA NAGAR, LUDHIANA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SARABHA NAGAR, LUDHIANA
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's SARABHA NAGAR, LUDHIANA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0003035 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 – SARABHA NAGAR, LUDHIANA, use IMPS. With IFSC CNRB0003035 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 CNRB0003035 for Canara Bank – SARABHA NAGAR, LUDHIANA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CNRB0003035 | Yes – CNRB0003035 | Yes – CNRB0003035 |
For most retail customers crediting the Sarabha Nagar, Ludhiana 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.
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 SARABHA NAGAR, LUDHIANA branch, the IFSC CNRB0003035 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.
Account types you can open at the Sarabha Nagar, Ludhiana branch
Once you have an account at Canara Bank – SARABHA NAGAR, LUDHIANA, the IFSC CNRB0003035 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.
Banking services available
The Sarabha Nagar, Ludhiana branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 161-2451096.
- 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 CNRB0003035
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 CNRB0003035 and the account number together uniquely identify the Sarabha Nagar, Ludhiana branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Sarabha Nagar, Ludhiana 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 CNRB0003035 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.
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 – SARABHA NAGAR, LUDHIANA:
- The IFSC is exactly CNRB0003035 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 SARABHA NAGAR, LUDHIANA 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.
How to reach the Sarabha Nagar, Ludhiana branch
The branch is located at SACRED HEART SCHOOL SARABHA NAGAR LUDHIANA-141001, which puts it inside Ludhiana, the broader Ludhiana district, and the state of Punjab. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Sarabha Nagar, Ludhiana branch” — the verified location pin for IFSC CNRB0003035 should appear at the top of the results.
- Confirm the branch is open by calling 161-2451096 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 CNRB0003035 and your account number.
Verifying IFSC CNRB0003035 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 CNRB0003035 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 161-2451096.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Sarabha Nagar, Ludhiana 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 CNRB0003035 continue to work without interruption.
Branch address & contact
Canara BankSarabha Nagar, Ludhiana Branch
SACRED HEART SCHOOL SARABHA NAGAR LUDHIANA-141001
Ludhiana, Punjab
Phone: 161-2451096
IFSC: CNRB0003035
Frequently asked questions
What is the phone number of Canara Bank Sarabha Nagar, Ludhiana branch?
You can reach the branch at 161-2451096 during regular banking hours.
Is IFSC CNRB0003035 the same for all accounts at Sarabha Nagar, Ludhiana branch?
Yes. The IFSC CNRB0003035 is shared by every account held at Canara Bank's Sarabha Nagar, Ludhiana branch. Only the account number changes from customer to customer.
Does Canara Bank Sarabha Nagar, Ludhiana branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 161-2451096 to confirm.
Is IFSC CNRB0003035 valid for NEFT and RTGS?
Yes. IFSC CNRB0003035 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Canara Bank Sarabha Nagar, Ludhiana branch located?
Canara Bank's Sarabha Nagar, Ludhiana branch is located at SACRED HEART SCHOOL SARABHA NAGAR LUDHIANA-141001, Ludhiana, Punjab.
What is the IFSC code of Canara Bank Sarabha Nagar, Ludhiana branch?
The IFSC code of Canara Bank, Sarabha Nagar, Ludhiana branch is CNRB0003035. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add Canara Bank Sarabha Nagar, Ludhiana as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0003035, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: CNRB0003035 is the IFSC code of Canara Bank, SARABHA NAGAR, LUDHIANA branch, in LUDHIANA, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
