If you are searching for the IFSC code of Canara Bank, PAYYOLI II branch in PAYYOLI, KERALA, this page has every detail you need. The verified IFSC code for this branch is CNRB0014409. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the PAYYOLI II branch, and detailed step-by-step guides for using the IFSC CNRB0014409 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Canara Bank's PAYYOLI II branch, the IFSC CNRB0014409 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 014409 identifies this particular branch.
About the bank
Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Payyoli Ii branch in Payyoli, Kerala is part of this network and uses the IFSC code CNRB0014409 for all electronic settlement.
About this branch
The branch is located at 12 BY 4111 MAIN ROAD NEAR BUS STAND KOZHIKODE DIST PAYYOLI KERALA 673522 INDIA. It serves the Payyoli 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 CNRB0014409 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Payyoli Ii |
| IFSC Code | CNRB0014409 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 12 BY 4111 MAIN ROAD NEAR BUS STAND KOZHIKODE DIST PAYYOLI KERALA 673522 INDIA |
| City | Payyoli |
| District | Cannur |
| State | Kerala |
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 PAYYOLI II branch came to be assigned the code CNRB0014409.
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 CNRB0014409, money simply cannot be routed to the PAYYOLI II 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 CNRB0014409 and the account number together uniquely identify the Payyoli Ii branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CNRB0014409
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 CNRB0014409 across all three.
NEFT to Canara Bank, PAYYOLI II using IFSC CNRB0014409
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 CNRB0014409, and confirm that the system picks up Canara Bank – PAYYOLI II. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CNRB0014409
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 – PAYYOLI II, ensure your bank's portal accepts IFSC CNRB0014409 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Canara Bank – PAYYOLI II, use IMPS. With IFSC CNRB0014409 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Payyoli Ii
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 CNRB0014409:
- 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 PAYYOLI II is still linked to IFSC CNRB0014409.
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.
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 PAYYOLI II branch, the IFSC CNRB0014409 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 Payyoli Ii branch is mapped to IFSC CNRB0014409 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 CNRB0014409.
Banking services available
The Payyoli Ii branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 CNRB0014409
Digital banking channels
Most day-to-day work that customers used to do at the Payyoli Ii 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 CNRB0014409 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 Payyoli Ii branch
The branch is located at 12 BY 4111 MAIN ROAD NEAR BUS STAND KOZHIKODE DIST PAYYOLI KERALA 673522 INDIA, which puts it inside Payyoli, the broader Cannur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Payyoli Ii branch” — the verified location pin for IFSC CNRB0014409 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number 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 CNRB0014409 and your account number.
Common mistakes to avoid when using IFSC CNRB0014409
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 – PAYYOLI II, 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:
CNRB0014409. - 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.
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 Payyoli Ii branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0014409, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CNRB0014409 for Canara Bank – PAYYOLI II, 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 address & contact
Canara BankPayyoli Ii Branch
12 BY 4111 MAIN ROAD NEAR BUS STAND KOZHIKODE DIST PAYYOLI KERALA 673522 INDIA
Payyoli, Kerala
Phone: the branch contact number
IFSC: CNRB0014409
Frequently asked questions
Is IFSC CNRB0014409 the same for all accounts at Payyoli Ii branch?
Yes. The IFSC CNRB0014409 is shared by every account held at Canara Bank's Payyoli Ii branch. Only the account number changes from customer to customer.
Where is Canara Bank Payyoli Ii branch located?
Canara Bank's Payyoli Ii branch is located at 12 BY 4111 MAIN ROAD NEAR BUS STAND KOZHIKODE DIST PAYYOLI KERALA 673522 INDIA, Payyoli, Kerala.
How quickly will an NEFT transfer using CNRB0014409 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Payyoli Ii reflect within 30 minutes.
Is IFSC CNRB0014409 valid for NEFT and RTGS?
Yes. IFSC CNRB0014409 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
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 Payyoli Ii branch but serve different purposes.
How do I add Canara Bank Payyoli Ii as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0014409, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Canara Bank Payyoli Ii branch?
The IFSC code of Canara Bank, Payyoli Ii branch is CNRB0014409. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Summary
The IFSC code CNRB0014409 belongs to Canara Bank's PAYYOLI II branch, located at 12 BY 4111 MAIN ROAD NEAR BUS STAND KOZHIKODE DIST PAYYOLI KERALA 673522 INDIA in PAYYOLI, KERALA. 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.
