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IFSC Code of Central Bank of India, Chanpatia Branch, Bihar

Check IFSC code CBIN0283605 for Central Bank of India, Chanpatia Branch, Chanpatia. Branch address, phone, MICR code and bank transfer details on a single page.

If you are searching for the IFSC code of Central Bank of India, CHANPATIA branch in CHANPATIA, BIHAR, this page has every detail you need. The verified IFSC code for this branch is CBIN0283605. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CHANPATIA branch, and detailed step-by-step guides for using the IFSC CBIN0283605 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 CHANPATIA branch, the IFSC CBIN0283605 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 283605 identifies this particular branch.

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 Chanpatia branch in Chanpatia, Bihar is part of this network and uses the IFSC code CBIN0283605 for all electronic settlement.

Branch details at a glance

Bank Name	Central Bank of India
Branch	Chanpatia
IFSC Code	CBIN0283605
MICR Code	Refer to cheque leaf
Branch Address	AT PO. CHANPATIA,DIST WEST CHAMPARAN,BIHAR 845449
City	Chanpatia
District	Paschimi Champaran
State	Bihar
STD Code	22
Phone	22612008

About the Chanpatia branch

The Chanpatia branch of Central Bank of India is situated at AT PO. CHANPATIA,DIST WEST CHAMPARAN,BIHAR 845449. 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 CBIN0283605 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 CHANPATIA branch came to be assigned the code CBIN0283605.

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 CBIN0283605, money simply cannot be routed to the CHANPATIA branch electronically.

Products and account variants supported

Every account opened at the Chanpatia branch is mapped to IFSC CBIN0283605 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 CBIN0283605.

Products and services

Customers walking into the Chanpatia 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 CBIN0283605

How to transfer money using IFSC CBIN0283605

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 CBIN0283605 across all three.

NEFT to Central Bank of India, CHANPATIA using IFSC CBIN0283605

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 CBIN0283605, and confirm that the system picks up Central Bank of India – CHANPATIA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CBIN0283605

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 – CHANPATIA, ensure your bank's portal accepts IFSC CBIN0283605 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Central Bank of India – CHANPATIA, use IMPS. With IFSC CBIN0283605 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 CBIN0283605 for Central Bank of India – CHANPATIA, 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 – CBIN0283605	Yes – CBIN0283605	Yes – CBIN0283605

For most retail customers crediting the Chanpatia 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 CHANPATIA branch, the IFSC CBIN0283605 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 CBIN0283605

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the CHANPATIA 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 CBIN0283605 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 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 CBIN0283605 and the account number together uniquely identify the Chanpatia 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 CBIN0283605

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 – CHANPATIA, 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: CBIN0283605.
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 Chanpatia branch

The branch is located at AT PO. CHANPATIA,DIST WEST CHAMPARAN,BIHAR 845449, which puts it inside Chanpatia, the broader Paschimi Champaran district, and the state of Bihar. To plan your visit:

Open Google Maps on your phone and search for “Central Bank of India Chanpatia branch” — the verified location pin for IFSC CBIN0283605 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 CBIN0283605 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0283605 for Central Bank of India – CHANPATIA, 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.

Working hours

Branch counters at Chanpatia 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 CBIN0283605 continue to work without interruption.

Branch address & contact

Central Bank of India
Chanpatia Branch
AT PO. CHANPATIA,DIST WEST CHAMPARAN,BIHAR 845449
Chanpatia, Bihar
Phone: 22-22612008
IFSC: CBIN0283605

Frequently asked questions

How do I add Central Bank of India Chanpatia as a beneficiary?

Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0283605, and complete OTP verification. Once activated, you can transfer funds at any time.

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 Chanpatia branch but serve different purposes.

Can I use IFSC CBIN0283605 for IMPS transfers?

Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0283605 to send funds instantly.

Is IFSC CBIN0283605 the same for all accounts at Chanpatia branch?

Yes. The IFSC CBIN0283605 is shared by every account held at Central Bank of India's Chanpatia branch. Only the account number changes from customer to customer.

Does Central Bank of India Chanpatia branch offer locker facilities?

Locker availability depends on branch size and customer demand. Please contact the branch on 22-22612008 to confirm.

Is IFSC CBIN0283605 valid for NEFT and RTGS?

Yes. IFSC CBIN0283605 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.

Where is Central Bank of India Chanpatia branch located?

Central Bank of India's Chanpatia branch is located at AT PO. CHANPATIA,DIST WEST CHAMPARAN,BIHAR 845449, Chanpatia, Bihar.

What is the phone number of Central Bank of India Chanpatia branch?

You can reach the branch at 22-22612008 during regular banking hours.

Summary

The IFSC code CBIN0283605 belongs to Central Bank of India's CHANPATIA branch, located at AT PO. CHANPATIA,DIST WEST CHAMPARAN,BIHAR 845449 in CHANPATIA, BIHAR. 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.