Below are the complete branch details for Canara Bank, SIMALIYA branch, located in RATU, JHARKHAND. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0003907. 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 CNRB0003907 for Canara Bank – SIMALIYA — 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, CNRB0003907 is the IFSC of Canara Bank's SIMALIYA branch. The format is fixed: CNRB = bank code, 0 = reserved, 003907 = branch identifier.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Simaliya |
| IFSC Code | CNRB0003907 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK, HAJI CHOWK, SIMALIA, POST- SIMALIA, P.S. RATU DISTT. RANCHI - 835222 |
| City | Ratu |
| District | Ranchi |
| State | Jharkhand |
| STD Code | 651 |
| Phone | 2521141 |
Bank profile
Canara Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Simaliya branch — IFSC CNRB0003907 — extends the bank's services to customers in and around Ratu, Jharkhand.
Simaliya branch overview
Located at CANARA BANK, HAJI CHOWK, SIMALIA, POST- SIMALIA, P.S. RATU DISTT. RANCHI - 835222, the Simaliya branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CNRB0003907 is required for all interbank electronic transfers routed through this branch.
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 SIMALIYA of Canara Bank — its own 11-character IFSC. The code CNRB0003907 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 CNRB0003907 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 CNRB0003907
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 CNRB0003907 across all three.
NEFT to Canara Bank, SIMALIYA using IFSC CNRB0003907
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 CNRB0003907, and confirm that the system picks up Canara Bank – SIMALIYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SIMALIYA
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's SIMALIYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0003907 while initiating the transfer and the credit will appear within minutes.
IMPS to Canara Bank SIMALIYA (IFSC CNRB0003907)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0003907 in your mobile or internet banking app, and the money is credited to the SIMALIYA branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CNRB0003907 for Canara Bank – SIMALIYA, 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 – CNRB0003907 | Yes – CNRB0003907 | Yes – CNRB0003907 |
For most retail customers crediting the Simaliya 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 CNRB0003907
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 – SIMALIYA is still mapped to IFSC CNRB0003907. 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 CNRB0003907 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Simaliya branch is mapped to IFSC CNRB0003907 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 CNRB0003907.
Products and services
Customers walking into the Simaliya 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 CNRB0003907
MICR & cheque-truncation details
Cheques drawn on the Simaliya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CNRB0003907 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Simaliya 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 CNRB0003907 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.
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 – SIMALIYA:
- The IFSC is exactly CNRB0003907 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 SIMALIYA 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.
Reaching the branch
The Simaliya branch sits at CANARA BANK, HAJI CHOWK, SIMALIA, POST- SIMALIA, P.S. RATU DISTT. RANCHI - 835222. If you are travelling from outside Ratu, search for the branch on a maps application using the bank name and locality, or call 651-2521141 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 CNRB0003907 and your account number.
Verifying IFSC CNRB0003907 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 CNRB0003907 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 651-2521141.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Simaliya 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 CNRB0003907 continue to work without interruption.
Branch address & contact
Canara BankSimaliya Branch
CANARA BANK, HAJI CHOWK, SIMALIA, POST- SIMALIA, P.S. RATU DISTT. RANCHI - 835222
Ratu, Jharkhand
Phone: 651-2521141
IFSC: CNRB0003907
Frequently asked questions
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 Simaliya branch but serve different purposes.
What is the phone number of Canara Bank Simaliya branch?
You can reach the branch at 651-2521141 during regular banking hours.
Is IFSC CNRB0003907 valid for NEFT and RTGS?
Yes. IFSC CNRB0003907 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC CNRB0003907 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0003907 to send funds instantly.
What is the IFSC code of Canara Bank Simaliya branch?
The IFSC code of Canara Bank, Simaliya branch is CNRB0003907. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How quickly will an NEFT transfer using CNRB0003907 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Simaliya reflect within 30 minutes.
Does Canara Bank Simaliya branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 651-2521141 to confirm.
Is IFSC CNRB0003907 the same for all accounts at Simaliya branch?
Yes. The IFSC CNRB0003907 is shared by every account held at Canara Bank's Simaliya branch. Only the account number changes from customer to customer.
Summary
The IFSC code CNRB0003907 belongs to Canara Bank's SIMALIYA branch, located at CANARA BANK, HAJI CHOWK, SIMALIA, POST- SIMALIA, P.S. RATU DISTT. RANCHI -… in RATU, JHARKHAND. 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.
