This page lists the IFSC code, branch address, contact number and fund-transfer information for Central Bank of India, BRANCH branch in CANNUR. The 11-digit IFSC CBIN0280972 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Central Bank of India at the BRANCH location, this is the only IFSC you need.
We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Central Bank of India's BRANCH branch, the IFSC CBIN0280972 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 280972 identifies this particular branch.
Bank profile
Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Branch branch — IFSC CBIN0280972 — extends the bank's services to customers in and around Cannur, Kerala.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Branch |
| IFSC Code | CBIN0280972 |
| MICR Code | Refer to cheque leaf |
| Branch Address | CC-8011A, STATION ROAD, TOUNIL HOUSE, KANNUR -670001. |
| City | Cannur |
| District | Cannur |
| State | Kerala |
| STD Code | 22 |
| Phone | 22612008 |
About the Branch branch
The Branch branch of Central Bank of India is situated at CC-8011A, STATION ROAD, TOUNIL HOUSE, KANNUR -670001.. 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 CBIN0280972 is used.
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 BRANCH branch came to be assigned the code CBIN0280972.
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 CBIN0280972, money simply cannot be routed to the BRANCH branch electronically.
Products and account variants supported
Every account opened at the Branch branch is mapped to IFSC CBIN0280972 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 CBIN0280972.
Banking services available
The Branch 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 CBIN0280972
How to transfer money using IFSC CBIN0280972
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 CBIN0280972 across all three.
NEFT to Central Bank of India, BRANCH using IFSC CBIN0280972
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 CBIN0280972, and confirm that the system picks up Central Bank of India – BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0280972 while initiating the transfer and the credit will appear within minutes.
IMPS to Central Bank of India BRANCH (IFSC CBIN0280972)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0280972 in your mobile or internet banking app, and the money is credited to the BRANCH branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CBIN0280972 for Central Bank of India – BRANCH, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CBIN0280972 | Yes – CBIN0280972 | Yes – CBIN0280972 |
For most retail customers crediting the Branch 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 CBIN0280972
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 – BRANCH is still mapped to IFSC CBIN0280972. 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 CBIN0280972 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CBIN0280972 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
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 CBIN0280972 and the account number together uniquely identify the Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC CBIN0280972
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Central Bank of India – BRANCH, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
CBIN0280972. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
How to reach the Branch branch
The branch is located at CC-8011A, STATION ROAD, TOUNIL HOUSE, KANNUR -670001., which puts it inside Cannur, the broader Cannur district, and the state of Kerala. To plan your visit:
- Open Google Maps on your phone and search for “Central Bank of India Branch branch” — the verified location pin for IFSC CBIN0280972 should appear at the top of the results.
- Confirm the branch is open by calling 22-22612008 before stepping out, especially around public holidays.
- Carry photo ID and any account-related documents you may need for the transaction you plan to do.
Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC CBIN0280972 and your account number.
Verifying IFSC CBIN0280972 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 CBIN0280972 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 Branch 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 CBIN0280972 continue to work without interruption.
Branch address & contact
Central Bank of IndiaBranch Branch
CC-8011A, STATION ROAD, TOUNIL HOUSE, KANNUR -670001.
Cannur, Kerala
Phone: 22-22612008
IFSC: CBIN0280972
Frequently asked questions
Is IFSC CBIN0280972 valid for NEFT and RTGS?
Yes. IFSC CBIN0280972 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Central Bank of India Branch branch located?
Central Bank of India's Branch branch is located at CC-8011A, STATION ROAD, TOUNIL HOUSE, KANNUR -670001., Cannur, Kerala.
Does Central Bank of India Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22612008 to confirm.
What is the phone number of Central Bank of India Branch branch?
You can reach the branch at 22-22612008 during regular banking hours.
How quickly will an NEFT transfer using CBIN0280972 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Branch reflect within 30 minutes.
What is the IFSC code of Central Bank of India Branch branch?
The IFSC code of Central Bank of India, Branch branch is CBIN0280972. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Branch branch but serve different purposes.
Summary
The IFSC code CBIN0280972 belongs to Central Bank of India's BRANCH branch, located at CC-8011A, STATION ROAD, TOUNIL HOUSE, KANNUR -670001. in CANNUR, KERALA. 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.
