IFSC Code of Central Bank of India, Baharakhullya Branch, West Bengal

Below are the complete branch details for Central Bank of India, BAHARAKHULLYA branch, located in BAHARAKHULYA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is CBIN0282115. 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 CBIN0282115 for Central Bank of India – BAHARAKHULLYA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Central Bank of India – BAHARAKHULLYA is CBIN0282115. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 282115 map to this branch in BAHARAKHULYA, WEST BENGAL.

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Baharakhullya branch — IFSC CBIN0282115 — extends the bank's services to customers in and around Baharakhulya, West Bengal.

Branch details at a glance

Baharakhullya branch overview

Located at P.O. GADARDIHI, DIST-BANKURAWEST BENGAL-722203, the Baharakhullya branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0282115 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Central Bank of India's BAHARAKHULLYA branch came to be assigned the code CBIN0282115.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC CBIN0282115, money simply cannot be routed to the BAHARAKHULLYA branch electronically.

Account types you can open at the Baharakhullya branch

Once you have an account at Central Bank of India – BAHARAKHULLYA, the IFSC CBIN0282115 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Baharakhullya 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 CBIN0282115

How to transfer money using IFSC CBIN0282115

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 CBIN0282115 across all three.

NEFT to Central Bank of India, BAHARAKHULLYA using IFSC CBIN0282115

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 CBIN0282115, and confirm that the system picks up Central Bank of India – BAHARAKHULLYA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BAHARAKHULLYA

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's BAHARAKHULLYA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0282115 while initiating the transfer and the credit will appear within minutes.

IMPS to Central Bank of India BAHARAKHULLYA (IFSC CBIN0282115)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0282115 in your mobile or internet banking app, and the money is credited to the BAHARAKHULLYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Baharakhullya

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 CBIN0282115:

• 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 BAHARAKHULLYA is still linked to IFSC CBIN0282115.

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.

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 Central Bank of India's BAHARAKHULLYA branch, the IFSC CBIN0282115 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.

Online banking and IFSC CBIN0282115

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the BAHARAKHULLYA 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 CBIN0282115 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 Baharakhullya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0282115 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – BAHARAKHULLYA:

• The IFSC is exactly CBIN0282115 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 BAHARAKHULLYA 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.

Reaching the branch

The Baharakhullya branch sits at P.O. GADARDIHI, DIST-BANKURAWEST BENGAL-722203. If you are travelling from outside Baharakhulya, 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 CBIN0282115 and your account number.

Verifying IFSC CBIN0282115 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 CBIN0282115 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-22612008.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Baharakhullya 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 CBIN0282115 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0282115 belongs to Central Bank of India's BAHARAKHULLYA branch, located at P.O. GADARDIHI, DIST-BANKURAWEST BENGAL-722203 in BAHARAKHULYA, WEST BENGAL. 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.