IFSC Code of Canara Bank, Specialised SME Branch Ranaghat Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, SPECIALISED SME BRANCH RANAGHAT branch in RANAGHAT. The 11-digit IFSC CNRB0019786 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 SPECIALISED SME BRANCH RANAGHAT 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 – SPECIALISED SME BRANCH RANAGHAT is CNRB0019786. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 019786 map to this branch in RANAGHAT, WEST BENGAL.

Branch details at a glance

About Canara Bank

Canara Bank operates a wide network of branches across India, including the Specialised SME Branch Ranaghat branch in Ranaghat. 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, CNRB0019786.

About this branch

The branch is located at 48 SUBHAS AVENUE FIRST FLOOR RANAGHAT NADIA DISTRICT RANAGHAT 741201. It serves the Ranaghat 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 CNRB0019786 is used to identify this branch on the RBI payments network.

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 SPECIALISED SME BRANCH RANAGHAT of Canara Bank — its own 11-character IFSC. The code CNRB0019786 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 CNRB0019786 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 CNRB0019786

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 CNRB0019786 across all three.

NEFT to Canara Bank, SPECIALISED SME BRANCH RANAGHAT using IFSC CNRB0019786

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 CNRB0019786, and confirm that the system picks up Canara Bank – SPECIALISED SME BRANCH RANAGHAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CNRB0019786

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 – SPECIALISED SME BRANCH RANAGHAT, ensure your bank's portal accepts IFSC CNRB0019786 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Canara Bank SPECIALISED SME BRANCH RANAGHAT (IFSC CNRB0019786)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0019786 in your mobile or internet banking app, and the money is credited to the SPECIALISED SME BRANCH RANAGHAT branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Specialised SME Branch Ranaghat

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 CNRB0019786:

• 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 SPECIALISED SME BRANCH RANAGHAT is still linked to IFSC CNRB0019786.

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 SPECIALISED SME BRANCH RANAGHAT branch, the IFSC CNRB0019786 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 Specialised SME Branch Ranaghat branch is mapped to IFSC CNRB0019786 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 CNRB0019786.

Products and services

Customers walking into the Specialised SME Branch Ranaghat 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 CNRB0019786

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 CNRB0019786 and the account number together uniquely identify the Specialised SME Branch Ranaghat 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 Specialised SME Branch Ranaghat 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 CNRB0019786 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 CNRB0019786

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 – SPECIALISED SME BRANCH RANAGHAT, 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: CNRB0019786.
• 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.

How to reach the Specialised SME Branch Ranaghat branch

The branch is located at 48 SUBHAS AVENUE FIRST FLOOR RANAGHAT NADIA DISTRICT RANAGHAT 741201, which puts it inside Ranaghat, the broader Ranaghat district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Canara Bank Specialised SME Branch Ranaghat branch” — the verified location pin for IFSC CNRB0019786 should appear at the top of the results.
2. Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
3. 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 CNRB0019786 and your account number.

Verifying IFSC CNRB0019786 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 CNRB0019786 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on the branch contact number.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Specialised SME Branch Ranaghat 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 CNRB0019786 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CNRB0019786 is the IFSC code of Canara Bank, SPECIALISED SME BRANCH RANAGHAT branch, in RANAGHAT, WEST BENGAL. 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.