This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, SME UDUPI branch in UDUPI. The 11-digit IFSC CNRB0004815 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 SME UDUPI 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Canara Bank's SME UDUPI branch, the IFSC CNRB0004815 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 004815 identifies this particular branch.
About Canara Bank
Canara Bank operates a wide network of branches across India, including the SME Udupi branch in Udupi. 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, CNRB0004815.
About this branch
The branch is located at CANARA BANK FIRST FLOOR, AKASHA GANGA COMPLEX KARAVALI JUNCTION, DIST UDUPI UDUPI KARNATAKA 576103. It serves the Udupi 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 CNRB0004815 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Canara Bank |
|---|---|
| Branch | SME Udupi |
| IFSC Code | CNRB0004815 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CANARA BANK FIRST FLOOR, AKASHA GANGA COMPLEX KARAVALI JUNCTION, DIST UDUPI UDUPI KARNATAKA 576103 |
| City | Udupi |
| District | Udipi |
| State | Karnataka |
| STD Code | 91 |
| Phone | 1234567890 |
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 SME UDUPI branch came to be assigned the code CNRB0004815.
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 CNRB0004815, money simply cannot be routed to the SME UDUPI branch electronically.
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 CNRB0004815 and the account number together uniquely identify the SME Udupi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CNRB0004815
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 CNRB0004815 across all three.
NEFT to Canara Bank, SME UDUPI using IFSC CNRB0004815
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 CNRB0004815, and confirm that the system picks up Canara Bank – SME UDUPI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CNRB0004815
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 – SME UDUPI, ensure your bank's portal accepts IFSC CNRB0004815 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Canara Bank – SME UDUPI, use IMPS. With IFSC CNRB0004815 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 CNRB0004815 for Canara Bank – SME UDUPI, 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 – CNRB0004815 | Yes – CNRB0004815 | Yes – CNRB0004815 |
For most retail customers crediting the SME Udupi 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 SME UDUPI branch, the IFSC CNRB0004815 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.
Account types you can open at the SME Udupi branch
Once you have an account at Canara Bank – SME UDUPI, the IFSC CNRB0004815 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 SME Udupi 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 CNRB0004815
Digital banking channels
Most day-to-day work that customers used to do at the SME Udupi 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 CNRB0004815 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.
How to reach the SME Udupi branch
The branch is located at CANARA BANK FIRST FLOOR, AKASHA GANGA COMPLEX KARAVALI JUNCTION, DIST UDUPI UDUPI KARNATAKA 576103, which puts it inside Udupi, the broader Udipi district, and the state of Karnataka. To plan your visit:
- Open Google Maps on your phone and search for “Canara Bank SME Udupi branch” — the verified location pin for IFSC CNRB0004815 should appear at the top of the results.
- Confirm the branch is open by calling 91-1234567890 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 CNRB0004815 and your account number.
Common mistakes to avoid when using IFSC CNRB0004815
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 – SME UDUPI, 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:
CNRB0004815. - 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.
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 SME Udupi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0004815, however, work 24x7.
Verifying IFSC CNRB0004815 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 CNRB0004815 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 91-1234567890.
- Visiting the bank's official branch locator page.
Branch address & contact
Canara BankSME Udupi Branch
CANARA BANK FIRST FLOOR, AKASHA GANGA COMPLEX KARAVALI JUNCTION, DIST UDUPI UDUPI KARNATAKA 576103
Udupi, Karnataka
Phone: 91-1234567890
IFSC: CNRB0004815
Frequently asked questions
Is IFSC CNRB0004815 the same for all accounts at SME Udupi branch?
Yes. The IFSC CNRB0004815 is shared by every account held at Canara Bank's SME Udupi branch. Only the account number changes from customer to customer.
What is the phone number of Canara Bank SME Udupi branch?
You can reach the branch at 91-1234567890 during regular banking hours.
How quickly will an NEFT transfer using CNRB0004815 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Canara Bank – SME Udupi reflect within 30 minutes.
Where is Canara Bank SME Udupi branch located?
Canara Bank's SME Udupi branch is located at CANARA BANK FIRST FLOOR, AKASHA GANGA COMPLEX KARAVALI JUNCTION, DIST UDUPI UDUPI KARNATAKA 576103, Udupi, Karnataka.
How do I add Canara Bank SME Udupi as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CNRB0004815, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the IFSC code of Canara Bank SME Udupi branch?
The IFSC code of Canara Bank, SME Udupi branch is CNRB0004815. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
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 SME Udupi branch but serve different purposes.
Summary
The IFSC code CNRB0004815 belongs to Canara Bank's SME UDUPI branch, located at CANARA BANK FIRST FLOOR, AKASHA GANGA COMPLEX KARAVALI JUNCTION, DIST UDUPI… in UDUPI, KARNATAKA. 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.
