Use this page as a one-stop reference for everything related to Canara Bank's PERNEM branch in PERNEM, GOA. The branch's IFSC code CNRB0005972 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.
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 PERNEM branch, the IFSC CNRB0005972 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 005972 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 Pernem branch in Pernem, Goa is part of this network and uses the IFSC code CNRB0005972 for all electronic settlement.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Pernem |
| IFSC Code | CNRB0005972 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK DESH PRABHU BUILDING OPP VIA COUNT OF PERNEM HIGH SCHOOL NANUWADA,PERNEM GOA GOA 403512 |
| City | Pernem |
| District | North Goa |
| State | Goa |
| STD Code | 832 |
| Phone | 2424493 |
About the Pernem branch
The Pernem branch of Canara Bank is situated at CANARA BANK DESH PRABHU BUILDING OPP VIA COUNT OF PERNEM HIGH SCHOOL NANUWADA,PERNEM GOA GOA 403512. 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 CNRB0005972 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 PERNEM branch came to be assigned the code CNRB0005972.
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 CNRB0005972, money simply cannot be routed to the PERNEM branch electronically.
Account types you can open at the Pernem branch
Once you have an account at Canara Bank – PERNEM, the IFSC CNRB0005972 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.
Products and services
Customers walking into the Pernem 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 CNRB0005972
How to transfer money using IFSC CNRB0005972
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 CNRB0005972 across all three.
NEFT to Canara Bank, PERNEM using IFSC CNRB0005972
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 CNRB0005972, and confirm that the system picks up Canara Bank – PERNEM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to PERNEM
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's PERNEM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0005972 while initiating the transfer and the credit will appear within minutes.
IMPS to Canara Bank PERNEM (IFSC CNRB0005972)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0005972 in your mobile or internet banking app, and the money is credited to the PERNEM branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CNRB0005972 for Canara Bank – PERNEM, 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 – CNRB0005972 | Yes – CNRB0005972 | Yes – CNRB0005972 |
For most retail customers crediting the Pernem 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.
UPI payments and IFSC CNRB0005972
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 – PERNEM is still mapped to IFSC CNRB0005972. 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 CNRB0005972 and the beneficiary's account number to complete the transfer.
Online banking and IFSC CNRB0005972
Canara Bank customers can register for net banking and the bank's official mobile app once their account at the PERNEM 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 CNRB0005972 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.
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 CNRB0005972 and the account number together uniquely identify the Pernem 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 – PERNEM:
- The IFSC is exactly CNRB0005972 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 PERNEM 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 Pernem branch
The branch is located at CANARA BANK DESH PRABHU BUILDING OPP VIA COUNT OF PERNEM HIGH SCHOOL NANUWADA,PERNEM GOA GOA 403512, which puts it inside Pernem, the broader North Goa district, and the state of Goa. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Pernem branch” — the verified location pin for IFSC CNRB0005972 should appear at the top of the results.
- Confirm the branch is open by calling 832-2424493 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 CNRB0005972 and your account number.
Verifying IFSC CNRB0005972 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 CNRB0005972 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 832-2424493.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Pernem 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 CNRB0005972 continue to work without interruption.
Branch address & contact
Canara BankPernem Branch
CANARA BANK DESH PRABHU BUILDING OPP VIA COUNT OF PERNEM HIGH SCHOOL NANUWADA,PERNEM GOA GOA 403512
Pernem, Goa
Phone: 832-2424493
IFSC: CNRB0005972
Frequently asked questions
How do I add Canara Bank Pernem as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0005972, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Canara Bank Pernem branch located?
Canara Bank's Pernem branch is located at CANARA BANK DESH PRABHU BUILDING OPP VIA COUNT OF PERNEM HIGH SCHOOL NANUWADA,PERNEM GOA GOA 403512, Pernem, Goa.
What is the IFSC code of Canara Bank Pernem branch?
The IFSC code of Canara Bank, Pernem branch is CNRB0005972. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CNRB0005972 the same for all accounts at Pernem branch?
Yes. The IFSC CNRB0005972 is shared by every account held at Canara Bank's Pernem branch. Only the account number changes from customer to customer.
Does Canara Bank Pernem branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 832-2424493 to confirm.
How quickly will an NEFT transfer using CNRB0005972 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Pernem reflect within 30 minutes.
What is the phone number of Canara Bank Pernem branch?
You can reach the branch at 832-2424493 during regular banking hours.
Final notes
To recap: CNRB0005972 is the IFSC code of Canara Bank, PERNEM branch, in PERNEM, GOA. 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.
