IFSC Code of Canara Bank, Nalagarh SME Branch, Himachal Pradesh

This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, NALAGARH SME branch in NALAGARH. The 11-digit IFSC CNRB0004606 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Canara Bank at the NALAGARH SME location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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, CNRB0004606 is the IFSC of Canara Bank's NALAGARH SME branch. The format is fixed: CNRB = bank code, 0 = reserved, 004606 = branch identifier.

Branch details at a glance

About Canara Bank

Canara Bank operates a wide network of branches across India, including the Nalagarh SME branch in Nalagarh. 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, CNRB0004606.

About the Nalagarh SME branch

The Nalagarh SME branch of Canara Bank is situated at NEAR P.G.GOVT COLLEGE, PINJORE MANALI HIGHWAY, NALAGARH-174101 DISTT. SOLAN. 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 CNRB0004606 is used.

Why every Canara Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including NALAGARH SME of Canara Bank — its own 11-character IFSC. The code CNRB0004606 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC CNRB0004606 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CNRB0004606

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 CNRB0004606 across all three.

NEFT to Canara Bank, NALAGARH SME using IFSC CNRB0004606

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 CNRB0004606, and confirm that the system picks up Canara Bank – NALAGARH SME. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CNRB0004606

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 – NALAGARH SME, ensure your bank's portal accepts IFSC CNRB0004606 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Canara Bank NALAGARH SME (IFSC CNRB0004606)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0004606 in your mobile or internet banking app, and the money is credited to the NALAGARH SME branch account within seconds.

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

All three modes accept the IFSC CNRB0004606 for Canara Bank – NALAGARH SME, 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 Nalagarh SME 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 NALAGARH SME branch, the IFSC CNRB0004606 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 Nalagarh SME branch

Once you have an account at Canara Bank – NALAGARH SME, the IFSC CNRB0004606 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 Nalagarh SME branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-1234567890.

• 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 CNRB0004606

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 CNRB0004606 and the account number together uniquely identify the Nalagarh SME 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 Nalagarh SME 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 CNRB0004606 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.

Common mistakes to avoid when using IFSC CNRB0004606

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 – NALAGARH SME, 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: CNRB0004606.
• 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.

Reaching the branch

The Nalagarh SME branch sits at NEAR P.G.GOVT COLLEGE, PINJORE MANALI HIGHWAY, NALAGARH-174101 DISTT. SOLAN. If you are travelling from outside Nalagarh, search for the branch on a maps application using the bank name and locality, or call 91-1234567890 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 CNRB0004606 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CNRB0004606 for Canara Bank – NALAGARH SME, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

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 Nalagarh SME branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0004606, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0004606 belongs to Canara Bank's NALAGARH SME branch, located at NEAR P.G.GOVT COLLEGE, PINJORE MANALI HIGHWAY, NALAGARH-174101 DISTT. SOLAN in NALAGARH, HIMACHAL PRADESH. 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.