Below are the complete branch details for Canara Bank, CHHAKRAIL branch, located in SIMLA, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is CNRB0006197. 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 CNRB0006197 for Canara Bank – CHHAKRAIL — 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, CNRB0006197 is the IFSC of Canara Bank's CHHAKRAIL branch. The format is fixed: CNRB = bank code, 0 = reserved, 006197 = branch identifier.
About the bank
Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chhakrail branch in Simla, Himachal Pradesh is part of this network and uses the IFSC code CNRB0006197 for all electronic settlement.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | Chhakrail |
| IFSC Code | CNRB0006197 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK PUSHPSHOPPING COMPLEX,OPP NEW FRUIT MANDI,BHATTA KUFFAR,CHHAKRAIL,SHIMLA HIMACHAL PRADESH 171006 |
| City | Simla |
| District | Simla |
| State | Himachal Pradesh |
| STD Code | 172 |
| Phone | 2604260 |
About the Chhakrail branch
The Chhakrail branch of Canara Bank is situated at CANARA BANK PUSHPSHOPPING COMPLEX,OPP NEW FRUIT MANDI,BHATTA KUFFAR,CHHAKRAIL,SHIMLA HIMACHAL PRADESH 171006. 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 CNRB0006197 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 CHHAKRAIL branch came to be assigned the code CNRB0006197.
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 CNRB0006197, money simply cannot be routed to the CHHAKRAIL branch electronically.
Account types you can open at the Chhakrail branch
Once you have an account at Canara Bank – CHHAKRAIL, the IFSC CNRB0006197 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 Chhakrail 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 CNRB0006197
How to transfer money using IFSC CNRB0006197
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 CNRB0006197 across all three.
NEFT to Canara Bank, CHHAKRAIL using IFSC CNRB0006197
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 CNRB0006197, and confirm that the system picks up Canara Bank – CHHAKRAIL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CNRB0006197
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 – CHHAKRAIL, ensure your bank's portal accepts IFSC CNRB0006197 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Canara Bank CHHAKRAIL (IFSC CNRB0006197)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0006197 in your mobile or internet banking app, and the money is credited to the CHHAKRAIL branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Chhakrail
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 CNRB0006197:
- 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 CHHAKRAIL is still linked to IFSC CNRB0006197.
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 CNRB0006197
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 – CHHAKRAIL is still mapped to IFSC CNRB0006197. 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 CNRB0006197 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 Chhakrail 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 CNRB0006197 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 CNRB0006197 and the account number together uniquely identify the Chhakrail 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 CNRB0006197
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 – CHHAKRAIL, 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:
CNRB0006197. - 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 Chhakrail branch
The branch is located at CANARA BANK PUSHPSHOPPING COMPLEX,OPP NEW FRUIT MANDI,BHATTA KUFFAR,CHHAKRAIL,SHIMLA HIMACHAL PRADESH 171006, which puts it inside Simla, the broader Simla district, and the state of Himachal Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank Chhakrail branch” — the verified location pin for IFSC CNRB0006197 should appear at the top of the results.
- Confirm the branch is open by calling 172-2604260 before stepping out, especially around public holidays.
- 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 CNRB0006197 and your account number.
Verifying IFSC CNRB0006197 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 CNRB0006197 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 172-2604260.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Chhakrail 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 CNRB0006197 continue to work without interruption.
Branch address & contact
Canara BankChhakrail Branch
CANARA BANK PUSHPSHOPPING COMPLEX,OPP NEW FRUIT MANDI,BHATTA KUFFAR,CHHAKRAIL,SHIMLA HIMACHAL PRADESH 171006
Simla, Himachal Pradesh
Phone: 172-2604260
IFSC: CNRB0006197
Frequently asked questions
How do I add Canara Bank Chhakrail as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0006197, and complete OTP verification. Once activated, you can transfer funds at any time.
Does Canara Bank Chhakrail branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 172-2604260 to confirm.
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 Chhakrail branch but serve different purposes.
What is the phone number of Canara Bank Chhakrail branch?
You can reach the branch at 172-2604260 during regular banking hours.
Is IFSC CNRB0006197 valid for NEFT and RTGS?
Yes. IFSC CNRB0006197 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using CNRB0006197 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – Chhakrail reflect within 30 minutes.
Can I use IFSC CNRB0006197 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CNRB0006197 to send funds instantly.
Where is Canara Bank Chhakrail branch located?
Canara Bank's Chhakrail branch is located at CANARA BANK PUSHPSHOPPING COMPLEX,OPP NEW FRUIT MANDI,BHATTA KUFFAR,CHHAKRAIL,SHIMLA HIMACHAL PRADESH 171006, Simla, Himachal Pradesh.
Final notes
To recap: CNRB0006197 is the IFSC code of Canara Bank, CHHAKRAIL branch, in SIMLA, HIMACHAL PRADESH. 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.
