IFSC Code of Canara Bank, SME Hub, Visakhapatnam Branch, Andhra Pradesh

Use this page as a one-stop reference for everything related to Canara Bank's SME HUB, VISAKHAPATNAM branch in VISAKHAPATNAM, ANDHRA PRADESH. The branch's IFSC code CNRB0003491 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Canara Bank – SME HUB, VISAKHAPATNAM is CNRB0003491. The first four letters CNRB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003491 map to this branch in VISAKHAPATNAM, ANDHRA PRADESH.

About the bank

Canara Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its SME Hub, Visakhapatnam branch in Visakhapatnam, Andhra Pradesh is part of this network and uses the IFSC code CNRB0003491 for all electronic settlement.

Branch details at a glance

About the SME Hub, Visakhapatnam branch

The SME Hub, Visakhapatnam branch of Canara Bank is situated at CANARA BANK,SME HUB, CIRCLE OFFICE, PADMAVATHY TOWERS, BALAJINAGAR, SIRIPURAM, VISAKHAPATNAM, ANDHRA PRADESH. 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 CNRB0003491 is used.

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 SME HUB, VISAKHAPATNAM of Canara Bank — its own 11-character IFSC. The code CNRB0003491 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 CNRB0003491 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the SME Hub, Visakhapatnam branch

Once you have an account at Canara Bank – SME HUB, VISAKHAPATNAM, the IFSC CNRB0003491 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 SME Hub, Visakhapatnam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 91-1234567890.

• 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 CNRB0003491

How to transfer money using IFSC CNRB0003491

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 CNRB0003491 across all three.

NEFT to Canara Bank, SME HUB, VISAKHAPATNAM using IFSC CNRB0003491

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 CNRB0003491, and confirm that the system picks up Canara Bank – SME HUB, VISAKHAPATNAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SME HUB, VISAKHAPATNAM

If you need to transfer ₹2 lakh or more in one go to an account at Canara Bank's SME HUB, VISAKHAPATNAM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CNRB0003491 while initiating the transfer and the credit will appear within minutes.

IMPS to Canara Bank SME HUB, VISAKHAPATNAM (IFSC CNRB0003491)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CNRB0003491 in your mobile or internet banking app, and the money is credited to the SME HUB, VISAKHAPATNAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to SME Hub, Visakhapatnam

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 CNRB0003491:

• 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 SME HUB, VISAKHAPATNAM is still linked to IFSC CNRB0003491.

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.

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 HUB, VISAKHAPATNAM branch, the IFSC CNRB0003491 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.

Online banking and IFSC CNRB0003491

Canara Bank customers can register for net banking and the bank's official mobile app once their account at the SME HUB, VISAKHAPATNAM branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC CNRB0003491 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

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 CNRB0003491 and the account number together uniquely identify the SME Hub, Visakhapatnam 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 CNRB0003491

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 HUB, VISAKHAPATNAM, 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: CNRB0003491.
• 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 SME Hub, Visakhapatnam branch

The branch is located at CANARA BANK,SME HUB, CIRCLE OFFICE, PADMAVATHY TOWERS, BALAJINAGAR, SIRIPURAM, VISAKHAPATNAM, ANDHRA PRADESH, which puts it inside Visakhapatnam, the broader Vishakhapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Canara Bank SME Hub, Visakhapatnam branch” — the verified location pin for IFSC CNRB0003491 should appear at the top of the results.
2. Confirm the branch is open by calling 91-1234567890 before stepping out, especially around public holidays.
3. 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 CNRB0003491 and your account number.

Verifying IFSC CNRB0003491 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 CNRB0003491 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 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 Hub, Visakhapatnam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CNRB0003491, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CNRB0003491 belongs to Canara Bank's SME HUB, VISAKHAPATNAM branch, located at CANARA BANK,SME HUB, CIRCLE OFFICE, PADMAVATHY TOWERS, BALAJINAGAR, SIRIPURAM,… in VISAKHAPATNAM, 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.