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

Use this page as a one-stop reference for everything related to Chhattisgarh Rajya Gramin Bank's BHILAI branch in BHILAI, CHHATTISGARH. The branch's IFSC code CRGB0008109 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 Chhattisgarh Rajya Gramin Bank – BHILAI is CRGB0008109. The first four letters CRGB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 008109 map to this branch in BHILAI, CHHATTISGARH.

Branch details at a glance

Bank profile

Chhattisgarh Rajya Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhilai branch — IFSC CRGB0008109 — extends the bank's services to customers in and around Bhilai, Chhattisgarh.

Bhilai branch overview

Located at BLOCK PATAN DURG 490021, the Bhilai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CRGB0008109 is required for all interbank electronic transfers routed through this branch.

Why every Chhattisgarh Rajya Gramin 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 BHILAI of Chhattisgarh Rajya Gramin Bank — its own 11-character IFSC. The code CRGB0008109 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 CRGB0008109 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CRGB0008109

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 CRGB0008109 across all three.

How to use IFSC CRGB0008109 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Chhattisgarh Rajya Gramin Bank's BHILAI 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 CRGB0008109.
4. Confirm the bank name auto-populates as Chhattisgarh Rajya Gramin Bank and the branch as BHILAI.
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 CRGB0008109

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 – BHILAI, ensure your bank's portal accepts IFSC CRGB0008109 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Chhattisgarh Rajya Gramin Bank BHILAI (IFSC CRGB0008109)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CRGB0008109 in your mobile or internet banking app, and the money is credited to the BHILAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bhilai

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 CRGB0008109:

• 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 BHILAI is still linked to IFSC CRGB0008109.

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 CRGB0008109

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 Chhattisgarh Rajya Gramin Bank – BHILAI is still mapped to IFSC CRGB0008109. 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 CRGB0008109 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhilai branch is mapped to IFSC CRGB0008109 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 CRGB0008109.

Products and services

Customers walking into the Bhilai 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 CRGB0008109

MICR & cheque-truncation details

Cheques drawn on the Bhilai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CRGB0008109 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC CRGB0008109

Chhattisgarh Rajya Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the BHILAI 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 CRGB0008109 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.

Common mistakes to avoid when using IFSC CRGB0008109

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 – BHILAI, 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: CRGB0008109.
• 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.

Reaching the branch

The Bhilai branch sits at BLOCK PATAN DURG 490021. If you are travelling from outside Bhilai, search for the branch on a maps application using the bank name and locality, or call 6232032107 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 CRGB0008109 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CRGB0008109 for Chhattisgarh Rajya Gramin Bank – BHILAI, 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.

Working hours

Branch counters at Bhilai 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 CRGB0008109 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CRGB0008109 is the IFSC code of Chhattisgarh Rajya Gramin Bank, BHILAI branch, in BHILAI, CHHATTISGARH. 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.