IFSC Code of Canara Bank, Ratnagiri Maharashtra Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, RATNAGIRI MAHARASHTRA branch in RATNAGIRI. The 11-digit IFSC CNRB0001398 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 RATNAGIRI MAHARASHTRA 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 – RATNAGIRI MAHARASHTRA is CNRB0001398. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001398 map to this branch in RATNAGIRI, MAHARASHTRA.

About Canara Bank

Canara Bank operates a wide network of branches across India, including the Ratnagiri Maharashtra branch in Ratnagiri. 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, CNRB0001398.

Branch details at a glance

About the Ratnagiri Maharashtra branch

The Ratnagiri Maharashtra branch of Canara Bank is situated at RATNADEEP CORNER, TILAK ALI, NEAR CONGRESS BHAVAN, RATNAGIRI DIST MAHARASTRA - 415612. 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 CNRB0001398 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 RATNAGIRI MAHARASHTRA branch came to be assigned the code CNRB0001398.

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 CNRB0001398, money simply cannot be routed to the RATNAGIRI MAHARASHTRA branch electronically.

Account types you can open at the Ratnagiri Maharashtra branch

Once you have an account at Canara Bank – RATNAGIRI MAHARASHTRA, the IFSC CNRB0001398 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 Ratnagiri Maharashtra 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 CNRB0001398

How to transfer money using IFSC CNRB0001398

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 CNRB0001398 across all three.

How to use IFSC CNRB0001398 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's RATNAGIRI MAHARASHTRA 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 CNRB0001398.
4. Confirm the bank name auto-populates as Canara Bank and the branch as RATNAGIRI MAHARASHTRA.
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 RATNAGIRI MAHARASHTRA

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's RATNAGIRI MAHARASHTRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0001398 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Canara Bank – RATNAGIRI MAHARASHTRA, use IMPS. With IFSC CNRB0001398 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CNRB0001398 for Canara Bank – RATNAGIRI MAHARASHTRA, 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.

For most retail customers crediting the Ratnagiri Maharashtra 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 RATNAGIRI MAHARASHTRA branch, the IFSC CNRB0001398 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.

Digital banking channels

Most day-to-day work that customers used to do at the Ratnagiri Maharashtra 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 CNRB0001398 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.

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 CNRB0001398 and the account number together uniquely identify the Ratnagiri Maharashtra 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 – RATNAGIRI MAHARASHTRA:

• The IFSC is exactly CNRB0001398 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 RATNAGIRI MAHARASHTRA 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 Ratnagiri Maharashtra branch

The branch is located at RATNADEEP CORNER, TILAK ALI, NEAR CONGRESS BHAVAN, RATNAGIRI DIST MAHARASTRA - 415612, which puts it inside Ratnagiri, the broader Ratnagiri district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Canara Bank Ratnagiri Maharashtra branch” — the verified location pin for IFSC CNRB0001398 should appear at the top of the results.
2. Confirm the branch is open by calling 2352-270381 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 CNRB0001398 and your account number.

Verifying IFSC CNRB0001398 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 CNRB0001398 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2352-270381.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Ratnagiri Maharashtra 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 CNRB0001398 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CNRB0001398 is the IFSC code of Canara Bank, RATNAGIRI MAHARASHTRA branch, in RATNAGIRI, MAHARASHTRA. 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.