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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Chhattisgarh Rajya Gramin Bank, KARHIBHADAR branch in KARHIBHADAR. The 11-digit IFSC CRGB0008131 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Chhattisgarh Rajya Gramin Bank at the KARHIBHADAR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 KARHIBHADAR branch, the IFSC CRGB0008131 breaks down as follows: CRGB identifies the bank, 0 is the reserved character, and 008131 identifies this particular branch.

About Chhattisgarh Rajya Gramin Bank

Chhattisgarh Rajya Gramin Bank operates a wide network of branches across India, including the Karhibhadar branch in Karhibhadar. 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, CRGB0008131.

Branch details at a glance

Karhibhadar branch overview

Located at MAIN ROAD KARHIBHADAR 491227, the Karhibhadar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CRGB0008131 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 KARHIBHADAR branch came to be assigned the code CRGB0008131.

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 CRGB0008131, money simply cannot be routed to the KARHIBHADAR branch electronically.

Account types you can open at the Karhibhadar branch

Once you have an account at Chhattisgarh Rajya Gramin Bank – KARHIBHADAR, the IFSC CRGB0008131 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 Karhibhadar branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6232032124.

• 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 CRGB0008131

How to transfer money using IFSC CRGB0008131

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 CRGB0008131 across all three.

NEFT to Chhattisgarh Rajya Gramin Bank, KARHIBHADAR using IFSC CRGB0008131

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 CRGB0008131, and confirm that the system picks up Chhattisgarh Rajya Gramin Bank – KARHIBHADAR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CRGB0008131

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 – KARHIBHADAR, ensure your bank's portal accepts IFSC CRGB0008131 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Chhattisgarh Rajya Gramin Bank KARHIBHADAR (IFSC CRGB0008131)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CRGB0008131 in your mobile or internet banking app, and the money is credited to the KARHIBHADAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Karhibhadar

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 CRGB0008131:

• 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 KARHIBHADAR is still linked to IFSC CRGB0008131.

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 KARHIBHADAR branch, the IFSC CRGB0008131 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 CRGB0008131

Chhattisgarh Rajya Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the KARHIBHADAR 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 CRGB0008131 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 & cheque-truncation details

Cheques drawn on the Karhibhadar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CRGB0008131 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KARHIBHADAR:

• The IFSC is exactly CRGB0008131 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 KARHIBHADAR 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.

How to reach the Karhibhadar branch

The branch is located at MAIN ROAD KARHIBHADAR 491227, which puts it inside Karhibhadar, the broader Balod district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Chhattisgarh Rajya Gramin Bank Karhibhadar branch” — the verified location pin for IFSC CRGB0008131 should appear at the top of the results.
2. Confirm the branch is open by calling 6232032124 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 CRGB0008131 and your account number.

Verifying IFSC CRGB0008131 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 CRGB0008131 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6232032124.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Karhibhadar 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 CRGB0008131 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CRGB0008131 is the IFSC code of Chhattisgarh Rajya Gramin Bank, KARHIBHADAR branch, in KARHIBHADAR, 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.