IFSC Code of Canara Bank, Narugram Branch, West Bengal

Below are the complete branch details for Canara Bank, NARUGRAM branch, located in RAINA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0005193. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CNRB0005193 for Canara Bank – NARUGRAM — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, CNRB0005193 is the IFSC of Canara Bank's NARUGRAM branch. The format is fixed: CNRB = bank code, 0 = reserved, 005193 = branch identifier.

Bank profile

Canara Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Narugram branch — IFSC CNRB0005193 — extends the bank's services to customers in and around Raina, West Bengal.

Narugram branch overview

Located at CANARA BANK,VILL AND PO NARUGRAM BLOCK RAINA I,SUB DIV BARDHAMAN SADAR,NARUGRAM,WEST BENGAL PIN 713424, the Narugram branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CNRB0005193 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 NARUGRAM of Canara Bank — its own 11-character IFSC. The code CNRB0005193 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 CNRB0005193 the same way you would treat your account number — verify it once and save it carefully for future use.

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 CNRB0005193 and the account number together uniquely identify the Narugram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CNRB0005193

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 CNRB0005193 across all three.

How to use IFSC CNRB0005193 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's NARUGRAM branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CNRB0005193.
4. Confirm the bank name auto-populates as Canara Bank and the branch as NARUGRAM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to NARUGRAM

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's NARUGRAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0005193 while initiating the transfer and the credit will appear within minutes.

IMPS to Canara Bank NARUGRAM (IFSC CNRB0005193)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0005193 in your mobile or internet banking app, and the money is credited to the NARUGRAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Narugram

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 CNRB0005193:

• 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 NARUGRAM is still linked to IFSC CNRB0005193.

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 NARUGRAM branch, the IFSC CNRB0005193 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 Narugram branch is mapped to IFSC CNRB0005193 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 CNRB0005193.

Banking services available

The Narugram branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-22807764.

• 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 CNRB0005193

Online banking and IFSC CNRB0005193

Canara Bank customers can register for net banking and the bank's official mobile app once their account at the NARUGRAM 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 CNRB0005193 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.

Reaching the branch

The Narugram branch sits at CANARA BANK,VILL AND PO NARUGRAM BLOCK RAINA I,SUB DIV BARDHAMAN SADAR,NARUGRAM,WEST BENGAL PIN 713424. If you are travelling from outside Raina, search for the branch on a maps application using the bank name and locality, or call 33-22807764 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 CNRB0005193 and your account number.

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 – NARUGRAM:

• The IFSC is exactly CNRB0005193 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 NARUGRAM 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.

Working hours

Branch counters at Narugram 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 CNRB0005193 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CNRB0005193 for Canara Bank – NARUGRAM, 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

Frequently asked questions

Summary

The IFSC code CNRB0005193 belongs to Canara Bank's NARUGRAM branch, located at CANARA BANK,VILL AND PO NARUGRAM BLOCK RAINA I,SUB DIV BARDHAMAN… in RAINA, WEST BENGAL. 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.