IFSC Code of Chhattisgarh Rajya Gramin Bank, Gandhi Chowk Bilaspur Branch, Chhattisgarh

If you are searching for the IFSC code of Chhattisgarh Rajya Gramin Bank, GANDHI CHOWK BILASPUR branch in GANDHI CHOWK BILASPUR, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is CRGB0000438. 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 GANDHI CHOWK BILASPUR branch, and detailed step-by-step guides for using the IFSC CRGB0000438 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, CRGB0000438 is the IFSC of Chhattisgarh Rajya Gramin Bank's GANDHI CHOWK BILASPUR branch. The format is fixed: CRGB = bank code, 0 = reserved, 000438 = branch identifier.

About the bank

Chhattisgarh Rajya Gramin Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Gandhi Chowk Bilaspur branch in Gandhi Chowk Bilaspur, Chhattisgarh is part of this network and uses the IFSC code CRGB0000438 for all electronic settlement.

Gandhi Chowk Bilaspur branch overview

Located at NEAR POONAM HOTEL GANDHI CHOWK BILASPUR 495001, the Gandhi Chowk Bilaspur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CRGB0000438 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 GANDHI CHOWK BILASPUR of Chhattisgarh Rajya Gramin Bank — its own 11-character IFSC. The code CRGB0000438 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 CRGB0000438 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Gandhi Chowk Bilaspur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CRGB0000438 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC CRGB0000438

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 CRGB0000438 across all three.

NEFT to Chhattisgarh Rajya Gramin Bank, GANDHI CHOWK BILASPUR using IFSC CRGB0000438

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 CRGB0000438, and confirm that the system picks up Chhattisgarh Rajya Gramin Bank – GANDHI CHOWK BILASPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CRGB0000438

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 – GANDHI CHOWK BILASPUR, ensure your bank's portal accepts IFSC CRGB0000438 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Chhattisgarh Rajya Gramin Bank GANDHI CHOWK BILASPUR (IFSC CRGB0000438)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CRGB0000438 in your mobile or internet banking app, and the money is credited to the GANDHI CHOWK BILASPUR branch account within seconds.

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

All three modes accept the IFSC CRGB0000438 for Chhattisgarh Rajya Gramin Bank – GANDHI CHOWK BILASPUR, 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 Gandhi Chowk Bilaspur 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 CRGB0000438

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 – GANDHI CHOWK BILASPUR is still mapped to IFSC CRGB0000438. 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 CRGB0000438 and the beneficiary's account number to complete the transfer.

Account types you can open at the Gandhi Chowk Bilaspur branch

Once you have an account at Chhattisgarh Rajya Gramin Bank – GANDHI CHOWK BILASPUR, the IFSC CRGB0000438 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.

Products and services

Customers walking into the Gandhi Chowk Bilaspur 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 CRGB0000438

Online banking and IFSC CRGB0000438

Chhattisgarh Rajya Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the GANDHI CHOWK BILASPUR 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 CRGB0000438 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.

Reaching the branch

The Gandhi Chowk Bilaspur branch sits at NEAR POONAM HOTEL GANDHI CHOWK BILASPUR 495001. If you are travelling from outside Gandhi Chowk Bilaspur, search for the branch on a maps application using the bank name and locality, or call 6232032538 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 CRGB0000438 and your account number.

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 – GANDHI CHOWK BILASPUR:

• The IFSC is exactly CRGB0000438 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 GANDHI CHOWK BILASPUR 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.

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 Gandhi Chowk Bilaspur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CRGB0000438, however, work 24x7.

Verifying IFSC CRGB0000438 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 CRGB0000438 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6232032538.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CRGB0000438 belongs to Chhattisgarh Rajya Gramin Bank's GANDHI CHOWK BILASPUR branch, located at NEAR POONAM HOTEL GANDHI CHOWK BILASPUR 495001 in GANDHI CHOWK BILASPUR, 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.