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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Chhattisgarh Rajya Gramin Bank, KAWARDHA branch in KAWARDHA. The 11-digit IFSC CRGB0008223 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 KAWARDHA 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 KAWARDHA branch, the IFSC CRGB0008223 breaks down as follows: CRGB identifies the bank, 0 is the reserved character, and 008223 identifies this particular branch.

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 Kawardha branch in Kawardha, Chhattisgarh is part of this network and uses the IFSC code CRGB0008223 for all electronic settlement.

Branch details at a glance

Kawardha branch overview

Located at KAWARDHA PO-KABIRDHAM BLOCK, KAWARDHA DISTT - KABIRDHAM 491995, the Kawardha branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CRGB0008223 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 KAWARDHA branch came to be assigned the code CRGB0008223.

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 CRGB0008223, money simply cannot be routed to the KAWARDHA branch electronically.

Account types you can open at the Kawardha branch

Once you have an account at Chhattisgarh Rajya Gramin Bank – KAWARDHA, the IFSC CRGB0008223 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 Kawardha 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 CRGB0008223

How to transfer money using IFSC CRGB0008223

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 CRGB0008223 across all three.

NEFT to Chhattisgarh Rajya Gramin Bank, KAWARDHA using IFSC CRGB0008223

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 CRGB0008223, and confirm that the system picks up Chhattisgarh Rajya Gramin Bank – KAWARDHA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KAWARDHA

If you need to transfer ₹2 lakh or more in one go to an account at Chhattisgarh Rajya Gramin Bank's KAWARDHA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CRGB0008223 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Chhattisgarh Rajya Gramin Bank – KAWARDHA, use IMPS. With IFSC CRGB0008223 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 Kawardha

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 CRGB0008223:

• 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 KAWARDHA is still linked to IFSC CRGB0008223.

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 KAWARDHA branch, the IFSC CRGB0008223 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.

Digital banking channels

Most day-to-day work that customers used to do at the Kawardha 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 CRGB0008223 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 CRGB0008223 and the account number together uniquely identify the Kawardha 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 – KAWARDHA:

• The IFSC is exactly CRGB0008223 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 KAWARDHA 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 Kawardha branch

The branch is located at KAWARDHA PO-KABIRDHAM BLOCK, KAWARDHA DISTT - KABIRDHAM 491995, which puts it inside Kawardha, the broader Kawardha district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Chhattisgarh Rajya Gramin Bank Kawardha branch” — the verified location pin for IFSC CRGB0008223 should appear at the top of the results.
2. Confirm the branch is open by calling 6232032223 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 CRGB0008223 and your account number.

Verifying IFSC CRGB0008223 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 CRGB0008223 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6232032223.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kawardha 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 CRGB0008223 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CRGB0008223 belongs to Chhattisgarh Rajya Gramin Bank's KAWARDHA branch, located at KAWARDHA PO-KABIRDHAM BLOCK, KAWARDHA DISTT - KABIRDHAM 491995 in KAWARDHA, 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.