Use this page as a one-stop reference for everything related to Central Bank of India's CIRCULAR ROAD branch in AMRITSAR, PUNJAB. The branch's IFSC code CBIN0281012 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.
In our case, CBIN0281012 is the IFSC of Central Bank of India's CIRCULAR ROAD branch. The format is fixed: CBIN = bank code, 0 = reserved, 281012 = branch identifier.
About Central Bank of India
Central Bank of India operates a wide network of branches across India, including the Circular Road branch in Amritsar. 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, CBIN0281012.
About this branch
The branch is located at 31, CIRCULAR ROAD, AMRITSAR PUNJAB 143001. It serves the Amritsar region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Central Bank of India. The IFSC CBIN0281012 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Circular Road |
| IFSC Code | CBIN0281012 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 31, CIRCULAR ROAD, AMRITSAR PUNJAB 143001 |
| City | Amritsar |
| District | Amritsar |
| State | Punjab |
| STD Code | 22 |
| Phone | 22612008 |
Why every Central Bank of India 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 CIRCULAR ROAD of Central Bank of India — its own 11-character IFSC. The code CBIN0281012 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 CBIN0281012 the same way you would treat your account number — verify it once and save it carefully for future use.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Central Bank of India carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CBIN0281012 and the account number together uniquely identify the Circular Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CBIN0281012
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 CBIN0281012 across all three.
How to use IFSC CBIN0281012 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's CIRCULAR ROAD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CBIN0281012.
- Confirm the bank name auto-populates as Central Bank of India and the branch as CIRCULAR ROAD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CBIN0281012
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Central Bank of India – CIRCULAR ROAD, ensure your bank's portal accepts IFSC CBIN0281012 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Central Bank of India CIRCULAR ROAD (IFSC CBIN0281012)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0281012 in your mobile or internet banking app, and the money is credited to the CIRCULAR ROAD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Circular Road
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 CBIN0281012:
- 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 CIRCULAR ROAD is still linked to IFSC CBIN0281012.
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 CBIN0281012
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 Central Bank of India – CIRCULAR ROAD is still mapped to IFSC CBIN0281012. 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 CBIN0281012 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Circular Road branch is mapped to IFSC CBIN0281012 on the RBI payments network. The branch generally supports the full retail product catalogue of Central Bank of India, 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 CBIN0281012.
Products and services
Customers walking into the Circular Road branch can access most of Central Bank of India'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 CBIN0281012
Online banking and IFSC CBIN0281012
Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the CIRCULAR ROAD 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 CBIN0281012 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.
Reaching the branch
The Circular Road branch sits at 31, CIRCULAR ROAD, AMRITSAR PUNJAB 143001. If you are travelling from outside Amritsar, search for the branch on a maps application using the bank name and locality, or call 22-22612008 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 CBIN0281012 and your account number.
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 Central Bank of India – CIRCULAR ROAD:
- The IFSC is exactly CBIN0281012 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Central Bank of India as the bank name and CIRCULAR ROAD 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.
Working hours
Branch counters at Circular Road 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 CBIN0281012 continue to work without interruption.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CBIN0281012 for Central Bank of India – CIRCULAR 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 address & contact
Central Bank of IndiaCircular Road Branch
31, CIRCULAR ROAD, AMRITSAR PUNJAB 143001
Amritsar, Punjab
Phone: 22-22612008
IFSC: CBIN0281012
Frequently asked questions
What is the phone number of Central Bank of India Circular Road branch?
You can reach the branch at 22-22612008 during regular banking hours.
How do I add Central Bank of India Circular Road as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0281012, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC CBIN0281012 valid for NEFT and RTGS?
Yes. IFSC CBIN0281012 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Central Bank of India Circular Road branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22612008 to confirm.
Can I use IFSC CBIN0281012 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0281012 to send funds instantly.
Where is Central Bank of India Circular Road branch located?
Central Bank of India's Circular Road branch is located at 31, CIRCULAR ROAD, AMRITSAR PUNJAB 143001, Amritsar, Punjab.
Final notes
To recap: CBIN0281012 is the IFSC code of Central Bank of India, CIRCULAR ROAD branch, in AMRITSAR, PUNJAB. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.
