IFSC Code of Canara Bank, Ratnagiri Tamil Nadu Branch, Tamil Nadu

This page lists the IFSC code, branch address, contact number and fund-transfer information for Canara Bank, RATNAGIRI TAMIL NADU branch in VELLORE. The 11-digit IFSC CNRB0001257 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 TAMIL NADU 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 RATNAGIRI TAMIL NADU branch, the IFSC CNRB0001257 breaks down as follows: CNRB identifies the bank, 0 is the reserved character, and 001257 identifies this particular branch.

Bank profile

Canara Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ratnagiri Tamil Nadu branch — IFSC CNRB0001257 — extends the bank's services to customers in and around Vellore, Tamil Nadu.

Ratnagiri Tamil Nadu branch overview

Located at TEMPLE CAMPUS, MADRAS-BANGALORE TRUNK ROAD, RATNAGIRI,VELLORE DIST, TAMIL NADU- 632 517, the Ratnagiri Tamil Nadu branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CNRB0001257 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 RATNAGIRI TAMIL NADU of Canara Bank — its own 11-character IFSC. The code CNRB0001257 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 CNRB0001257 the same way you would treat your account number — verify it once and save it carefully for future use.

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 CNRB0001257 and the account number together uniquely identify the Ratnagiri Tamil Nadu branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CNRB0001257

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 CNRB0001257 across all three.

How to use IFSC CNRB0001257 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Canara Bank's RATNAGIRI TAMIL NADU 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 CNRB0001257.
4. Confirm the bank name auto-populates as Canara Bank and the branch as RATNAGIRI TAMIL NADU.
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 TAMIL NADU

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's RATNAGIRI TAMIL NADU branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0001257 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 TAMIL NADU, use IMPS. With IFSC CNRB0001257 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Ratnagiri Tamil Nadu

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 CNRB0001257:

• 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 RATNAGIRI TAMIL NADU is still linked to IFSC CNRB0001257.

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 CNRB0001257

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 – RATNAGIRI TAMIL NADU is still mapped to IFSC CNRB0001257. 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 CNRB0001257 and the beneficiary's account number to complete the transfer.

Account types you can open at the Ratnagiri Tamil Nadu branch

Once you have an account at Canara Bank – RATNAGIRI TAMIL NADU, the IFSC CNRB0001257 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.

Banking services available

The Ratnagiri Tamil Nadu branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 4172-266328.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC CNRB0001257

Digital banking channels

Most day-to-day work that customers used to do at the Ratnagiri Tamil Nadu 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 CNRB0001257 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.

Reaching the branch

The Ratnagiri Tamil Nadu branch sits at TEMPLE CAMPUS, MADRAS-BANGALORE TRUNK ROAD, RATNAGIRI,VELLORE DIST, TAMIL NADU- 632 517. If you are travelling from outside Vellore, search for the branch on a maps application using the bank name and locality, or call 4172-266328 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 CNRB0001257 and your account number.

Common mistakes to avoid when using IFSC CNRB0001257

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 – RATNAGIRI TAMIL NADU, 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: CNRB0001257.
• 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 Ratnagiri Tamil Nadu branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0001257, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CNRB0001257 for Canara Bank – RATNAGIRI TAMIL NADU, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0001257 belongs to Canara Bank's RATNAGIRI TAMIL NADU branch, located at TEMPLE CAMPUS, MADRAS-BANGALORE TRUNK ROAD, RATNAGIRI,VELLORE DIST, TAMIL… in VELLORE, TAMIL NADU. 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.