This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, BAGORA branch in PALAMPUR. The 11-digit IFSC CNRB0004609 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 BAGORA 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.
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 – BAGORA is CNRB0004609. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 004609 map to this branch in PALAMPUR, HIMACHAL PRADESH.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Bagora |
| IFSC Code | CNRB0004609 |
| MICR Code | Refer to cheque leaf |
| Branch Address | V P O BAGORA, THE. PALAMPUR, DISTT KANGRA - 176001 |
| City | Palampur |
| District | Kangra |
| State | Himachal Pradesh |
| STD Code | 91 |
| Phone | 1234567890 |
About Canara Bank
Canara Bank operates a wide network of branches across India, including the Bagora branch in Palampur. 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, CNRB0004609.
About the Bagora branch
The Bagora branch of Canara Bank is situated at V P O BAGORA, THE. PALAMPUR, DISTT KANGRA - 176001. 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 CNRB0004609 is used.
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 BAGORA branch came to be assigned the code CNRB0004609.
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 CNRB0004609, money simply cannot be routed to the BAGORA branch electronically.
How to transfer money using IFSC CNRB0004609
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 CNRB0004609 across all three.
NEFT to Canara Bank, BAGORA using IFSC CNRB0004609
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 CNRB0004609, and confirm that the system picks up Canara Bank – BAGORA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BAGORA
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's BAGORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0004609 while initiating the transfer and the credit will appear within minutes.
IMPS to Canara Bank BAGORA (IFSC CNRB0004609)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0004609 in your mobile or internet banking app, and the money is credited to the BAGORA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CNRB0004609 for Canara Bank – BAGORA, 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 – CNRB0004609 | Yes – CNRB0004609 | Yes – CNRB0004609 |
For most retail customers crediting the Bagora 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 BAGORA branch, the IFSC CNRB0004609 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.
Products and account variants supported
Every account opened at the Bagora branch is mapped to IFSC CNRB0004609 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 CNRB0004609.
Products and services
Customers walking into the Bagora 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 CNRB0004609
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 CNRB0004609 and the account number together uniquely identify the Bagora branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC CNRB0004609
Canara Bank customers can register for net banking and the bank's official mobile app once their account at the BAGORA branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC CNRB0004609 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
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 – BAGORA:
- The IFSC is exactly CNRB0004609 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 BAGORA 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 Bagora branch
The branch is located at V P O BAGORA, THE. PALAMPUR, DISTT KANGRA - 176001, which puts it inside Palampur, the broader Kangra district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Bagora branch” — the verified location pin for IFSC CNRB0004609 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 CNRB0004609 and your account number.
Verifying IFSC CNRB0004609 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 CNRB0004609 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.
Working hours
Branch counters at Bagora 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 CNRB0004609 continue to work without interruption.
Branch address & contact
Canara BankBagora Branch
V P O BAGORA, THE. PALAMPUR, DISTT KANGRA - 176001
Palampur, Himachal Pradesh
Phone: 91-1234567890
IFSC: CNRB0004609
Frequently asked questions
Can I use IFSC CNRB0004609 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0004609 to send funds instantly.
What is the IFSC code of Canara Bank Bagora branch?
The IFSC code of Canara Bank, Bagora branch is CNRB0004609. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CNRB0004609 valid for NEFT and RTGS?
Yes. IFSC CNRB0004609 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Canara Bank Bagora branch located?
Canara Bank's Bagora branch is located at V P O BAGORA, THE. PALAMPUR, DISTT KANGRA - 176001, Palampur, Himachal Pradesh.
How do I add Canara Bank Bagora as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0004609, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Canara Bank Bagora branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 91-1234567890 to confirm.
How quickly will an NEFT transfer using CNRB0004609 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Bagora reflect within 30 minutes.
Final notes
To recap: CNRB0004609 is the IFSC code of Canara Bank, BAGORA branch, in PALAMPUR, HIMACHAL PRADESH. 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.
