Chhattisgarh Rajya Gramin Bank IFSC Code and MICR Code

Find Chhattisgarh Rajya Gramin Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Chhattisgarh Rajya Gramin Bank IFSC Code, MICR Code and SWIFT Code

The Indian banking system identifies each bank and its branches through unique codes allotted by the Reserve Bank of India (RBI). This code is known as IFSC, and every single branch has it. For example, a Chhattisgarh Rajya Gramin Bank IFSC Code identifies the branch and simplifies wire transfers. 

The IFSC code is a requirement for online money transfers. If you want to transfer money to a person's bank account, you need to include the IFSC code of the branch. By doing so, you can identify the exact account and credit it. The banking system uses the IFSC code to facilitate wire transfers. 

There are various ways to find out the IFSC code of a bank branch. We'll discuss the different online payment methods to send money through the internet. We'll also read about the MICR code and its importance. Finally, let's read more about Chhattisgarh Rajya Gramin Bank. 

Chhattisgarh Rajya Gramin Bank (CRGB) IFSC Code

chhattisgarh rajya gramin bank crgb ifsc code

IFSC stands for Indian Financial System Code, a unique identification code developed by RBI. The IFSC code is an 11-character alphanumeric code and is divided into three parts. The first four characters denote the bank. These are followed by zero (0). 

The remaining six characters can be numbers or alphabets. It depends on the type of bank. RRBs (Regional Rural Banks) have alphabets to denote the bank branch instead of numbers. For example, the Chhattisgarh Rajya Gramin Bank Raigarh branch IFSC Code is SBIN0RRCHGB. 

  • SBIN is the bank code, followed by zero (0)
  • RRCHGB is the branch code of the branch in Raigarh district, Chhattisgarh

Why do you need the IFSC code of a bank? The primary reason to know the IFSC code is to send online money through payment methods like NEFT, RTGS, and IMPS. The IFSC code reduces the risk of discrepancies and ensures fast online money transfers. 

The system identifies the bank's branch using the IFSC code. Then, it locates the account number and deposits the money directly into the account you sent your money to. The process is streamlined to avoid delays. Online money transfers take only a few minutes or hours instead of days. 

That said, it is vital to use the correct IFSC code of the beneficiary's bank. Using the wrong code could lead to a failed transaction. Or, the process might be delayed as the system searches for the account number in the entire database. If the transaction fails, it will take 2-3 business days to revert the money into your account. 

Chhattisgarh Rajya Gramin Bank (CRGB) MICR Code

The MICR code is printed on cheques using the Magnetic Ink Character Recognition technology. It is a unique cheque recognition and validation code allotted by RBI to banks in India. While the Chhattisgarh Rajya Gramin Bank IFSC Code helps with online money transfer, the MICR code helps verify the authenticity of a cheque for faster clearing.

The MICR code of Chhattisgarh Rajya Gramin Bank (CRGB) is 496521001. It consists of three parts:

  • The first three digits, 496, denote the city code (Raigarh)
  • The next three digits, 521, denote the bank code (CRGB)
  • The last three digits, 001, denote the branch code (Raigarh branch) 

You can find the MICR code on the cheque book and individual cheques. This code appears at the bottom of the cheque alongside the cheque number. You can also find it in the bank passbook and website. However, all bank branches don't have MICR codes, especially RRBs. 

How to find IFSC Code & MICR Code of Chhattisgarh Rajya Gramin Bank?

how to find ifsc code micr code of chhattisgarh rajya gramin bank

The IFSC code is necessary for domestic and international wire transfers. Luckily, you can find the IFSC code of a bank branch in different ways. Searching the code online is the easiest method. Let's start with that. 

Find Online  

You can find the Chhattisgarh Rajya Gramin Bank IFSC Code and MICR code online by searching on the internet. Various websites offer such services. Find Your Bank is a free and user-friendly website to search for any bank's IFSC, MICR, and SWIFT codes. 

Enter the URL into the browser: 

The home page has a small form. Start filling it using the drop-down menu. Remember that the page will automatically reload after you fill each section. 

  • Select the name of the bank whose IFSC code you want to know. Here, we'll select the Chhattisgarh Rajya Gramin Bank. 
  • Then select the state where the bank is located. Choose Chhattisgarh.
  • Now select the district of the branch. Choose Raigarh.
  • Finally, select the city where the branch is located. Select Raigarh. 

The website will display the name, address, pin code, IFSC code, and MICR code of the bank branch. You can copy and save this information for future references. 

You can also download the Find Your Bank mobile app from PlayStore and use it anytime instead of the web browser. The website and app are easy and convenient to use. 


Also, you can find the IFSC and MICR codes offline. The bank passbook has information about the account holder and bank branch. The first page of the passbook has the following details: 

  • Name, address, and contact number of the bank branch 
  • Name, address, and contact information of the account holder 
  • Account number (and type of account) 
  • IFSC code
  • MICR code
  • Customer ID 

Cheque book

The cheque book is another important bank item that has the necessary information. The first page of the cheque book has the account number, IFSC code, MICR code, and other relevant details.

Every cheque also has the codes printed on them. The IFSC code appears at the top of each cheque, and the MICR code is printed at the bottom. 

Bank Website and App 

The bank's official website and mobile app (if applicable) will also display the IFSC codes of the bank's branches. You might also find the codes on the RBI website. 

Customer Care 

As a last resort, you can call the bank's customer care and ask for the IFSC code of a branch. This information is available to anyone, regardless of account status. 

How to Transfer Money through NEFT, RTGS & IMPS?

how to transfer money through neft rtgs imps chhattisgarh rajya gramin bank

Transferring money online is convenient and time-saving. With the internet and mobile banking, you do not need to visit a branch. However, you can also opt for an online money transfer through the branch. The bank will complete the transaction on your behalf.  

In either method, you need to know the IFSC code of the beneficiary's account to send money. You can share the IFSC code of your branch with the sender if you need to receive money from your account. This is even simpler because the sender doesn't have to search for the code. 

The Chhattisgarh Rajya Gramin Bank IFSC Code is used during NEFT, RTGS, and IMPS transactions. All three are popular ways to transfer money online from one account to another. They are similar yet different means to send money online. Let's look at each method in detail. 

NEFT (National Electronic Fund Transfer)

The National Electronic Funds Transfer is by far the most popular online money transfer method in the country. The Deferred Net Settlement (DNS) system processes the transactions in batches. 

The NEFT transactions can be sent 24*7 and around the year. The transactions are cleared once every couple of hours by the bank. NEFT has no maximum or minimum limit on the amount you can transfer. The service charges are levied based on the amount transferred per transaction. 

Service Charges: 

  • Rs. 2.50+ tax for up to Rs. 10,000/-
  • Rs. 5+ tax between Rs. 10,000 and Rs. 1 lakh 
  • Rs. 15+ tax between Rs. 1 lakh and Rs. 2 lakh 
  • Rs. 25+ tax for more than Rs. 2 lakh 

You need the following information to make an NEFT transaction through internet banking or the branch: 

  • The amount you want to transfer
  • Your account number (to debit the amount)
  • Beneficiary name 
  • Beneficiary account number
  • Beneficiary bank's name 
  • Beneficiary bank's IFSC code 

Even though you enter the beneficiary's name, the transaction will be processed based on the account number and IFSC code. Make sure to enter these details correctly. 

RTGS (Real-Time Gross Settlement)

Real-Time Gross Settlement is used to send large amounts of money in real-time. Unlike NEFT, RTGS transactions are not processed in batches. The payment is made immediately after you click the play button. 

RTGS payment method is used during emergencies and securely sends huge amounts of money. There is no maximum limit for RTGS payments, though the minimum amount is Rs. 2 lakh. RTGS payments happen in real-time, so they can't be reversed. 

Service Charges: 

  • Rs. 25+ tax between Rs. 2 lakh and Rs. 5 lakh
  • Rs. 50+ tax for above Rs. 5 lakh 

Like NEFT payments, the account number and IFSC code are crucial to sending the money to the correct person through RTGS. You need the exact details of NEFT to make an RTGS payment. 

IMPS (Immediate Payment Service) 

IMPS is an Immediate Payment Service similar to NEFT. The difference is in the minimum and maximum amount restrictions. The minimum limit for IMPS payment is Re. 1, and the maximum limit is Rs. 2 lakh. Individual banks determine the service charges. However, they cannot charge more than Rs.25+ tax. 

You need the following information to make an IMPS transaction through internet banking or the branch: 

  • The amount you want to transfer
  • Your mobile number 
  • Beneficiary account number
  • Beneficiary bank's IFSC code 
  • Your MMID number (if applicable)
  • Beneficiary's MMID number (if applicable)

About Chhattisgarh Rajya Gramin Bank

about chhattisgarh rajya gramin bank

The Chhattisgarh Rajya Gramin Bank (CRGB) was established in 2013 as an RRB (Regional Rural Bank) by amalgamating Chhattisgarh Gramin Bank(CGB), Surguja Kshetriya Gramin Bank(SKGB), and Durg Rajnandgaon Gramin Bank(DRGB). The State Bank of India (SBI) sponsors the CRGB and has 35% share capital. 

SBI owns CRGB, the Indian government, and the state government in Chhattisgarh with a shareholding ratio of 35% by SBI, 50% by the Indian government, and 15% by the state government. 

The head office is located in Sunder Nagar, Mahadeo Ghat Road, Raipur, Chhattisgarh. CRGB has 605 branches in Chhattisgarh and provides various financial services.

Frequently Asked Questions 

1) How can I check my balance in Gramin Bank Chhattisgarh?

Give a missed call to 1800-233-2300 from your registered mobile number to check your balance in the CRGB account. If your number is not registered with the branch, go to the branch and submit a form. 

2) How can I activate mobile banking in CRGB?

Visit your local branch and submit a form to activate mobile banking for CRGB. The bank as M-Tej app facilitates mobile banking (the link is now removed from the bank's website). 

3) Under which Bank Chhattisgarh state Rural Bank works?

The CRGB is under the State bank of India (ABI) and is recognized as a Regional Rural Bank (RRB). 

4) Which of the following banks is a sponsor bank of Chhattisgarh Rajya Gramin Bank?

The State Bank of India sponsors the Chhattisgarh Rajya Gramin Bank. It has 35% share capital in CRGB.