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

If you are searching for the IFSC code of Chhattisgarh Rajya Gramin Bank, CHARAMA branch in CHARAMA, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is CRGB0001001. 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 CHARAMA branch, and detailed step-by-step guides for using the IFSC CRGB0001001 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 CHARAMA branch, the IFSC CRGB0001001 breaks down as follows: CRGB identifies the bank, 0 is the reserved character, and 001001 identifies this particular branch.

Bank profile

Chhattisgarh Rajya Gramin Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Charama branch — IFSC CRGB0001001 — extends the bank's services to customers in and around Charama, Chhattisgarh.

Branch details at a glance

Charama branch overview

Located at GRAM PANCHAYAT BUILDING CHARAMA POST- CHARAMA BLOCK-CHARAMA DIST-KANKER 494337, the Charama branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CRGB0001001 is required for all interbank electronic transfers routed through this branch.

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 CHARAMA branch came to be assigned the code CRGB0001001.

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 CRGB0001001, money simply cannot be routed to the CHARAMA branch electronically.

Account types you can open at the Charama branch

Once you have an account at Chhattisgarh Rajya Gramin Bank – CHARAMA, the IFSC CRGB0001001 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 Charama branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6232032322.

• 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 CRGB0001001

How to transfer money using IFSC CRGB0001001

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 CRGB0001001 across all three.

How to use IFSC CRGB0001001 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Chhattisgarh Rajya Gramin Bank's CHARAMA 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 CRGB0001001.
4. Confirm the bank name auto-populates as Chhattisgarh Rajya Gramin Bank and the branch as CHARAMA.
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 CHARAMA

If you need to transfer ₹2 lakh or more in one go to an account at Chhattisgarh Rajya Gramin Bank's CHARAMA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CRGB0001001 while initiating the transfer and the credit will appear within minutes.

IMPS to Chhattisgarh Rajya Gramin Bank CHARAMA (IFSC CRGB0001001)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CRGB0001001 in your mobile or internet banking app, and the money is credited to the CHARAMA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CRGB0001001 for Chhattisgarh Rajya Gramin Bank – CHARAMA, 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.

For most retail customers crediting the Charama 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.

UPI payments and IFSC CRGB0001001

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 – CHARAMA is still mapped to IFSC CRGB0001001. 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 CRGB0001001 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Charama 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 CRGB0001001 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.

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 CRGB0001001 and the account number together uniquely identify the Charama branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Chhattisgarh Rajya Gramin Bank – CHARAMA:

• The IFSC is exactly CRGB0001001 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Chhattisgarh Rajya Gramin Bank as the bank name and CHARAMA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Charama branch sits at GRAM PANCHAYAT BUILDING CHARAMA POST- CHARAMA BLOCK-CHARAMA DIST-KANKER 494337. If you are travelling from outside Charama, search for the branch on a maps application using the bank name and locality, or call 6232032322 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 CRGB0001001 and your account number.

Verifying IFSC CRGB0001001 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 CRGB0001001 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6232032322.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Charama 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 CRGB0001001 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CRGB0001001 is the IFSC code of Chhattisgarh Rajya Gramin Bank, CHARAMA branch, in CHARAMA, 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.