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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Chhattisgarh Rajya Gramin Bank, UTAI branch in UTAI. The 11-digit IFSC CRGB0008157 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 UTAI 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 UTAI branch, the IFSC CRGB0008157 breaks down as follows: CRGB identifies the bank, 0 is the reserved character, and 008157 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 Utai branch — IFSC CRGB0008157 — extends the bank's services to customers in and around Utai, Chhattisgarh.

Branch details at a glance

About the Utai branch

The Utai branch of Chhattisgarh Rajya Gramin Bank is situated at AT & POST-UTAI TEH-DURG.491107. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CRGB0008157 is used.

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 UTAI of Chhattisgarh Rajya Gramin Bank — its own 11-character IFSC. The code CRGB0008157 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 CRGB0008157 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Utai branch is mapped to IFSC CRGB0008157 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 CRGB0008157.

Banking services available

The Utai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 6232032140.

• 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 CRGB0008157

How to transfer money using IFSC CRGB0008157

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 CRGB0008157 across all three.

NEFT to Chhattisgarh Rajya Gramin Bank, UTAI using IFSC CRGB0008157

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 CRGB0008157, and confirm that the system picks up Chhattisgarh Rajya Gramin Bank – UTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UTAI

If you need to transfer ₹2 lakh or more in one go to an account at Chhattisgarh Rajya Gramin Bank's UTAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CRGB0008157 while initiating the transfer and the credit will appear within minutes.

IMPS to Chhattisgarh Rajya Gramin Bank UTAI (IFSC CRGB0008157)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CRGB0008157 in your mobile or internet banking app, and the money is credited to the UTAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Utai

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 CRGB0008157:

• 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 UTAI is still linked to IFSC CRGB0008157.

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.

UPI payments and IFSC CRGB0008157

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 – UTAI is still mapped to IFSC CRGB0008157. 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 CRGB0008157 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CRGB0008157

Chhattisgarh Rajya Gramin Bank customers can register for net banking and the bank's official mobile app once their account at the UTAI 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 CRGB0008157 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 Utai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CRGB0008157 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC CRGB0008157

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 – UTAI, 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: CRGB0008157.
• 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 Utai branch sits at AT & POST-UTAI TEH-DURG.491107. If you are travelling from outside Utai, search for the branch on a maps application using the bank name and locality, or call 6232032140 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 CRGB0008157 and your account number.

Verifying IFSC CRGB0008157 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 CRGB0008157 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 6232032140.
• Visiting the bank's official branch locator page.

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 Utai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CRGB0008157, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CRGB0008157 belongs to Chhattisgarh Rajya Gramin Bank's UTAI branch, located at AT & POST-UTAI TEH-DURG.491107 in UTAI, 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.