IFSC Code of Chhattisgarh Rajya Gramin Bank, Bamhanidih Branch, Chhattisgarh

If you are searching for the IFSC code of Chhattisgarh Rajya Gramin Bank, BAMHANIDIH branch in BAMHANIDIH, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is CRGB0000704. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the BAMHANIDIH branch, and detailed step-by-step guides for using the IFSC CRGB0000704 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 Chhattisgarh Rajya Gramin Bank's BAMHANIDIH branch, the IFSC CRGB0000704 breaks down as follows: CRGB identifies the bank, 0 is the reserved character, and 000704 identifies this particular branch.

About Chhattisgarh Rajya Gramin Bank

Chhattisgarh Rajya Gramin Bank operates a wide network of branches across India, including the Bamhanidih branch in Bamhanidih. 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, CRGB0000704.

Bamhanidih branch overview

Located at AT & POST BAMHNIDIH TEH-CHAMPA DIST.-JANJGIR PIN-495668, the Bamhanidih branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CRGB0000704 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 Chhattisgarh Rajya Gramin Bank's BAMHANIDIH branch came to be assigned the code CRGB0000704.

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 CRGB0000704, money simply cannot be routed to the BAMHANIDIH branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Chhattisgarh Rajya Gramin Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CRGB0000704 and the account number together uniquely identify the Bamhanidih branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CRGB0000704

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 CRGB0000704 across all three.

How to use IFSC CRGB0000704 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Chhattisgarh Rajya Gramin Bank's BAMHANIDIH 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 CRGB0000704.
4. Confirm the bank name auto-populates as Chhattisgarh Rajya Gramin Bank and the branch as BAMHANIDIH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CRGB0000704

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 Chhattisgarh Rajya Gramin Bank – BAMHANIDIH, ensure your bank's portal accepts IFSC CRGB0000704 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Chhattisgarh Rajya Gramin Bank – BAMHANIDIH, use IMPS. With IFSC CRGB0000704 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 Bamhanidih

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 CRGB0000704:

• 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 BAMHANIDIH is still linked to IFSC CRGB0000704.

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 Chhattisgarh Rajya Gramin Bank's BAMHANIDIH branch, the IFSC CRGB0000704 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.

Products and account variants supported

Every account opened at the Bamhanidih branch is mapped to IFSC CRGB0000704 on the RBI payments network. The branch generally supports the full retail product catalogue of Chhattisgarh Rajya Gramin 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 CRGB0000704.

Products and services

Customers walking into the Bamhanidih branch can access most of Chhattisgarh Rajya Gramin 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 CRGB0000704

Online banking and IFSC CRGB0000704

Chhattisgarh Rajya Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the BAMHANIDIH 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 CRGB0000704 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.

How to reach the Bamhanidih branch

The branch is located at AT & POST BAMHNIDIH TEH-CHAMPA DIST.-JANJGIR PIN-495668, which puts it inside Bamhanidih, the broader Janjgir Champa district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Chhattisgarh Rajya Gramin Bank Bamhanidih branch” — the verified location pin for IFSC CRGB0000704 should appear at the top of the results.
2. Confirm the branch is open by calling 6232032624 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 CRGB0000704 and your account number.

Common mistakes to avoid when using IFSC CRGB0000704

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 Chhattisgarh Rajya Gramin Bank – BAMHANIDIH, 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: CRGB0000704.
• 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 Bamhanidih branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CRGB0000704, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CRGB0000704 for Chhattisgarh Rajya Gramin Bank – BAMHANIDIH, 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 CRGB0000704 belongs to Chhattisgarh Rajya Gramin Bank's BAMHANIDIH branch, located at AT & POST BAMHNIDIH TEH-CHAMPA DIST.-JANJGIR PIN-495668 in BAMHANIDIH, CHHATTISGARH. 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.