Central Bank of India IFSC code

There is no single Central Bank of India IFSC — each branch has its own, and this directory indexes 4,774. Take the code from something the bank issued, not from memory: six digits are easy to misremember.

1. 1

   Look at the chequebook

   The bank’s IMPS page points here first — the IFS Code is “available in the users Cheque book”.

2. 2

   Ask for current account details

   Have the beneficiary confirm the full code from a current bank-issued record before you send.

3. 3

   Use the branch locator

   IFSCs of NEFT-enabled branches can be had from the Branch/ATM/BC Locator on the bank’s home page.

4. 4

   Search the table below

   Every branch here has its own page — IFSC, MICR, address.

The Reserve Bank defines the shape: eleven characters, the first four identifying the bank and the last six the branch. Here the first four are always CBIN, the fifth the digit zero on all 4,774 codes.

CBIN

Bank code — identical on every branch

0

Always the digit zero, never the letter O

281067

Branch — Nariman Point, Mumbai

This is where the bank differs from its peers. 4,731 of the 4,774 codes end in six digits rather than letters, and 4,730 of those begin 28 — CBIN0280009, CBIN0281067, CBIN0284982. The only all-digit exception is CBIN0011102, the GAD Central Office.

Forty-three codes break the numeric pattern, and each is labelled with another institution: thirty-nine CBIN0MPD codes naming cooperative banks in Madhya Pradesh, CBIN0MPABAA for the Madhya Pradesh Rajya Sahakari Bank, CBIN0CGDCBN for the Chhattisgarh Rajya Sahakari Bank, and CBIN0R10001 and CBIN0R40012 for two gramin banks. Verify the code and displayed recipient details before authorizing.

The Reserve Bank of India currently lists Central Bank of India under its own name among the public sector banks. That current status does not prove every historical CBIN0 code remains active, so confirm the beneficiary branch’s code rather than relying on an old payment instruction.

For an account-number-and-IFSC transfer, use the beneficiary branch’s current code. NEFT has no minimum and, per the bank, no maximum for individuals. RTGS starts at ₹2,00,000 with no ceiling. Both services run round the clock.

Branch figures are before GST and change, so check the bank’s current page. The nil online column matches the RBI’s instruction that banks levy no NEFT charge on savings account holders online. One limit trips people up: a walk-in paying cash cannot send more than ₹50,000.

An IFSC identifies a domestic bank branch; an international wire needs the bank details and BIC specified by the receiving branch. The official Central Bank of India page checked does not publish a beneficiary BIC, so confirm the exact instructions with the branch before sending.

The bank says overseas remittance is available at its branches in USD, GBP, EUR, AUD, SGD, CAD and CHF among other currencies. It publishes nostro correspondents including Citibank New York for dollars, Commerzbank Frankfurt for euros and Standard Chartered London for sterling, while warning that those details change; confirm them with its International Banking Division first.

RBI rules require the destination bank to return an NEFT it cannot credit within two hours of the batch completing. If nothing has arrived or returned, contact the sending bank with the transaction reference instead of assuming the cause.

1. 01Read the code back one character at a time: CBIN, the digit zero, six digits.
2. 02Check those digits against the beneficiary’s passbook or app — a transposed pair is a valid code for another branch, so nothing bounces on format alone.
3. 03Confirm the account number has not lost a leading zero to a spreadsheet.
4. 04A MICR is a different nine-digit number used for cheque clearing: CBIN0280009 in Patna carries MICR 800016002, and 275 codes here have none recorded.