IFSC Code of Central Bank of India, Bina Branch, Madhya Pradesh

Use this page as a one-stop reference for everything related to Central Bank of India's BINA branch in BINA, MADHYA PRADESH. The branch's IFSC code CBIN0281366 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, CBIN0281366 is the IFSC of Central Bank of India's BINA branch. The format is fixed: CBIN = bank code, 0 = reserved, 281366 = branch identifier.

About the bank

Central Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Bina branch in Bina, Madhya Pradesh is part of this network and uses the IFSC code CBIN0281366 for all electronic settlement.

Branch details at a glance

About the Bina branch

The Bina branch of Central Bank of India is situated at STATION ROAD, BINA. 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 CBIN0281366 is used.

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 BINA of Central Bank of India — its own 11-character IFSC. The code CBIN0281366 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 CBIN0281366 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 Bina branch is mapped to IFSC CBIN0281366 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 CBIN0281366.

Banking services available

The Bina branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22612008.

• 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 CBIN0281366

How to transfer money using IFSC CBIN0281366

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 CBIN0281366 across all three.

How to use IFSC CBIN0281366 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's BINA 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).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CBIN0281366.
4. Confirm the bank name auto-populates as Central Bank of India and the branch as BINA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CBIN0281366

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 – BINA, ensure your bank's portal accepts IFSC CBIN0281366 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Central Bank of India BINA (IFSC CBIN0281366)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0281366 in your mobile or internet banking app, and the money is credited to the BINA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CBIN0281366 for Central Bank of India – BINA, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Bina branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

UPI payments and IFSC CBIN0281366

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 – BINA is still mapped to IFSC CBIN0281366. 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 CBIN0281366 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CBIN0281366

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the BINA 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 CBIN0281366 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 Bina branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0281366 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 – BINA:

• The IFSC is exactly CBIN0281366 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 BINA 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 Bina branch sits at STATION ROAD, BINA. If you are travelling from outside Bina, 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 CBIN0281366 and your account number.

Verifying IFSC CBIN0281366 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 CBIN0281366 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 Bina 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 CBIN0281366 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0281366 belongs to Central Bank of India's BINA branch, located at STATION ROAD, BINA in BINA, MADHYA PRADESH. 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.