Use this page as a one-stop reference for everything related to Canara Bank's RAYAPURAM branch in SAMALKOT, ANDHRA PRADESH. The branch's IFSC code CNRB0003720 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.
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, CNRB0003720 is the IFSC of Canara Bank's RAYAPURAM branch. The format is fixed: CNRB = bank code, 0 = reserved, 003720 = branch identifier.
About Canara Bank
Canara Bank operates a wide network of branches across India, including the Rayapuram branch in Samalkot. 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, CNRB0003720.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Rayapuram |
| IFSC Code | CNRB0003720 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK, VENKATA KRISHNA RAYAPURAM SAMALKOT MANDAL EAST GODAVARI DIST 533440 ANDHRA PRADESH |
| City | Samalkot |
| District | East Godavari |
| State | Andhra Pradesh |
| STD Code | 884 |
| Phone | 2327560 |
About this branch
The branch is located at CANARA BANK, VENKATA KRISHNA RAYAPURAM SAMALKOT MANDAL EAST GODAVARI DIST 533440 ANDHRA PRADESH. It serves the Samalkot 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 CNRB0003720 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 RAYAPURAM of Canara Bank — its own 11-character IFSC. The code CNRB0003720 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 CNRB0003720 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Rayapuram branch is mapped to IFSC CNRB0003720 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 CNRB0003720.
Products and services
Customers walking into the Rayapuram 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 CNRB0003720
How to transfer money using IFSC CNRB0003720
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 CNRB0003720 across all three.
NEFT to Canara Bank, RAYAPURAM using IFSC CNRB0003720
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 CNRB0003720, and confirm that the system picks up Canara Bank – RAYAPURAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to RAYAPURAM
If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's RAYAPURAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0003720 while initiating the transfer and the credit will appear within minutes.
IMPS to Canara Bank RAYAPURAM (IFSC CNRB0003720)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0003720 in your mobile or internet banking app, and the money is credited to the RAYAPURAM branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Rayapuram
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 CNRB0003720:
- 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 RAYAPURAM is still linked to IFSC CNRB0003720.
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.
UPI payments and IFSC CNRB0003720
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 – RAYAPURAM is still mapped to IFSC CNRB0003720. 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 CNRB0003720 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Rayapuram 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 CNRB0003720 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 CNRB0003720 and the account number together uniquely identify the Rayapuram branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC CNRB0003720
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 – RAYAPURAM, 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:
CNRB0003720. - 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.
Reaching the branch
The Rayapuram branch sits at CANARA BANK, VENKATA KRISHNA RAYAPURAM SAMALKOT MANDAL EAST GODAVARI DIST 533440 ANDHRA PRADESH. If you are travelling from outside Samalkot, search for the branch on a maps application using the bank name and locality, or call 884-2327560 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 CNRB0003720 and your account number.
Verifying IFSC CNRB0003720 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 CNRB0003720 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 884-2327560.
- Visiting the bank's official branch locator page.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Rayapuram branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0003720, however, work 24x7.
Branch address & contact
Canara BankRayapuram Branch
CANARA BANK, VENKATA KRISHNA RAYAPURAM SAMALKOT MANDAL EAST GODAVARI DIST 533440 ANDHRA PRADESH
Samalkot, Andhra Pradesh
Phone: 884-2327560
IFSC: CNRB0003720
Frequently asked questions
How quickly will an NEFT transfer using CNRB0003720 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Rayapuram reflect within 30 minutes.
Is IFSC CNRB0003720 valid for NEFT and RTGS?
Yes. IFSC CNRB0003720 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Canara Bank Rayapuram branch?
You can reach the branch at 884-2327560 during regular banking hours.
Is IFSC CNRB0003720 the same for all accounts at Rayapuram branch?
Yes. The IFSC CNRB0003720 is shared by every account held at Canara Bank's Rayapuram branch. Only the account number changes from customer to customer.
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 Rayapuram branch but serve different purposes.
How do I add Canara Bank Rayapuram as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0003720, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Canara Bank Rayapuram branch located?
Canara Bank's Rayapuram branch is located at CANARA BANK, VENKATA KRISHNA RAYAPURAM SAMALKOT MANDAL EAST GODAVARI DIST 533440 ANDHRA PRADESH, Samalkot, Andhra Pradesh.
Can I use IFSC CNRB0003720 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0003720 to send funds instantly.
Summary
The IFSC code CNRB0003720 belongs to Canara Bank's RAYAPURAM branch, located at CANARA BANK, VENKATA KRISHNA RAYAPURAM SAMALKOT MANDAL EAST GODAVARI DIST… in SAMALKOT, ANDHRA PRADESH. 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.
