IFSC Code of Chhattisgarh Rajya Gramin Bank, Kota Kargi Road Branch, Chhattisgarh

Below are the complete branch details for Chhattisgarh Rajya Gramin Bank, KOTA KARGI ROAD branch, located in KOTA KARGI ROAD, CHHATTISGARH. The IFSC assigned by the Reserve Bank of India to this branch is CRGB0000431. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CRGB0000431 for Chhattisgarh Rajya Gramin Bank – KOTA KARGI ROAD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 KOTA KARGI ROAD branch, the IFSC CRGB0000431 breaks down as follows: CRGB identifies the bank, 0 is the reserved character, and 000431 identifies this particular branch.

Branch details at a glance

About Chhattisgarh Rajya Gramin Bank

Chhattisgarh Rajya Gramin Bank operates a wide network of branches across India, including the Kota Kargi Road branch in Kota Kargi Road. 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, CRGB0000431.

Kota Kargi Road branch overview

Located at GARIMA COMPLEX KOTA TEHSIL KOTA DISTRICT BILASPUR 495113, the Kota Kargi Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CRGB0000431 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 KOTA KARGI ROAD of Chhattisgarh Rajya Gramin Bank — its own 11-character IFSC. The code CRGB0000431 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 CRGB0000431 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 CRGB0000431

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 CRGB0000431 across all three.

NEFT to Chhattisgarh Rajya Gramin Bank, KOTA KARGI ROAD using IFSC CRGB0000431

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 CRGB0000431, and confirm that the system picks up Chhattisgarh Rajya Gramin Bank – KOTA KARGI ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KOTA KARGI ROAD

If you need to transfer ₹2 lakh or more in one go to an account at Chhattisgarh Rajya Gramin Bank's KOTA KARGI ROAD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CRGB0000431 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 – KOTA KARGI ROAD, use IMPS. With IFSC CRGB0000431 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC CRGB0000431 for Chhattisgarh Rajya Gramin Bank – KOTA KARGI ROAD, 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 Kota Kargi Road 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.

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 KOTA KARGI ROAD branch, the IFSC CRGB0000431 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.

Products and account variants supported

Every account opened at the Kota Kargi Road branch is mapped to IFSC CRGB0000431 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 CRGB0000431.

Products and services

Customers walking into the Kota Kargi Road 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 CRGB0000431

MICR & cheque-truncation details

Cheques drawn on the Kota Kargi Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CRGB0000431 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Kota Kargi Road 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 CRGB0000431 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.

Common mistakes to avoid when using IFSC CRGB0000431

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 – KOTA KARGI ROAD, 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: CRGB0000431.
• 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 Kota Kargi Road branch sits at GARIMA COMPLEX KOTA TEHSIL KOTA DISTRICT BILASPUR 495113. If you are travelling from outside Kota Kargi Road, search for the branch on a maps application using the bank name and locality, or call 6232032531 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 CRGB0000431 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CRGB0000431 for Chhattisgarh Rajya Gramin Bank – KOTA KARGI ROAD, 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.

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 Kota Kargi Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CRGB0000431, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CRGB0000431 belongs to Chhattisgarh Rajya Gramin Bank's KOTA KARGI ROAD branch, located at GARIMA COMPLEX KOTA TEHSIL KOTA DISTRICT BILASPUR 495113 in KOTA KARGI ROAD, 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.