IFSC Code of Central Bank of India, Sector Forty Four Chandigarh Branch, Chandigarh

Below are the complete branch details for Central Bank of India, SECTOR FORTY FOUR CHANDIGARH branch, located in CHANDIGARH, CHANDIGARH. The IFSC assigned by the Reserve Bank of India to this branch is CBIN0284979. 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 CBIN0284979 for Central Bank of India – SECTOR FORTY FOUR CHANDIGARH — 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 – SECTOR FORTY FOUR CHANDIGARH is CBIN0284979. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 284979 map to this branch in CHANDIGARH, CHANDIGARH.

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Sector Forty Four Chandigarh branch — IFSC CBIN0284979 — extends the bank's services to customers in and around Chandigarh, Chandigarh.

Branch details at a glance

Sector Forty Four Chandigarh branch overview

Located at SOC 269,SECTOR 44C,CHANDIGARH,U.T. CHANDIGARH 160043., the Sector Forty Four Chandigarh branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0284979 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 SECTOR FORTY FOUR CHANDIGARH branch came to be assigned the code CBIN0284979.

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 CBIN0284979, money simply cannot be routed to the SECTOR FORTY FOUR CHANDIGARH branch electronically.

Products and account variants supported

Every account opened at the Sector Forty Four Chandigarh branch is mapped to IFSC CBIN0284979 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 CBIN0284979.

Banking services available

The Sector Forty Four Chandigarh branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22637966.

• 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 CBIN0284979

How to transfer money using IFSC CBIN0284979

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 CBIN0284979 across all three.

How to use IFSC CBIN0284979 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's SECTOR FORTY FOUR CHANDIGARH 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 CBIN0284979.
4. Confirm the bank name auto-populates as Central Bank of India and the branch as SECTOR FORTY FOUR CHANDIGARH.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SECTOR FORTY FOUR CHANDIGARH

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's SECTOR FORTY FOUR CHANDIGARH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0284979 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Central Bank of India – SECTOR FORTY FOUR CHANDIGARH, use IMPS. With IFSC CBIN0284979 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC CBIN0284979 for Central Bank of India – SECTOR FORTY FOUR CHANDIGARH, 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 Sector Forty Four Chandigarh 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.

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 SECTOR FORTY FOUR CHANDIGARH branch, the IFSC CBIN0284979 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.

Digital banking channels

Most day-to-day work that customers used to do at the Sector Forty Four Chandigarh 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 CBIN0284979 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 & cheque-truncation details

Cheques drawn on the Sector Forty Four Chandigarh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0284979 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 – SECTOR FORTY FOUR CHANDIGARH:

• The IFSC is exactly CBIN0284979 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 SECTOR FORTY FOUR CHANDIGARH 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.

How to reach the Sector Forty Four Chandigarh branch

The branch is located at SOC 269,SECTOR 44C,CHANDIGARH,U.T. CHANDIGARH 160043., which puts it inside Chandigarh, the broader Chandigarh district, and the state of Chandigarh. To plan your visit:

1. Open Google Maps on your phone and search for “Central Bank of India Sector Forty Four Chandigarh branch” — the verified location pin for IFSC CBIN0284979 should appear at the top of the results.
2. Confirm the branch is open by calling 22-22637966 before stepping out, especially around public holidays.
3. 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 CBIN0284979 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0284979 for Central Bank of India – SECTOR FORTY FOUR CHANDIGARH, 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 banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Sector Forty Four Chandigarh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0284979, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0284979 belongs to Central Bank of India's SECTOR FORTY FOUR CHANDIGARH branch, located at SOC 269,SECTOR 44C,CHANDIGARH,U.T. CHANDIGARH 160043. in CHANDIGARH, CHANDIGARH. 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.