IFSC Code of Central Bank of India, Bhagbanpur Fic Branch Branch, West Bengal

Use this page as a one-stop reference for everything related to Central Bank of India's BHAGBANPUR FIC BRANCH branch in DHOLAHAT, WEST BENGAL. The branch's IFSC code CBIN0284317 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.

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 – BHAGBANPUR FIC BRANCH is CBIN0284317. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 284317 map to this branch in DHOLAHAT, WEST BENGAL.

Branch details at a glance

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Bhagbanpur Fic Branch branch — IFSC CBIN0284317 — extends the bank's services to customers in and around Dholahat, West Bengal.

Bhagbanpur Fic Branch branch overview

Located at VILLAGE BHAGBANPUR,PO BHAGBANPUR,PS DOLARHAT,PIN 743399 SOUTH 24 PARGANA,WEST BENGAL, the Bhagbanpur Fic Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0284317 is required for all interbank electronic transfers routed through this branch.

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 BHAGBANPUR FIC BRANCH of Central Bank of India — its own 11-character IFSC. The code CBIN0284317 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 CBIN0284317 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CBIN0284317

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 CBIN0284317 across all three.

NEFT to Central Bank of India, BHAGBANPUR FIC BRANCH using IFSC CBIN0284317

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 CBIN0284317, and confirm that the system picks up Central Bank of India – BHAGBANPUR FIC 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 BHAGBANPUR FIC BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's BHAGBANPUR FIC BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0284317 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 – BHAGBANPUR FIC BRANCH, use IMPS. With IFSC CBIN0284317 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Bhagbanpur Fic Branch

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 CBIN0284317:

• 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 BHAGBANPUR FIC BRANCH is still linked to IFSC CBIN0284317.

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.

UPI payments and IFSC CBIN0284317

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 – BHAGBANPUR FIC BRANCH is still mapped to IFSC CBIN0284317. 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 CBIN0284317 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Bhagbanpur Fic Branch branch is mapped to IFSC CBIN0284317 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 CBIN0284317.

Products and services

Customers walking into the Bhagbanpur Fic Branch 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 CBIN0284317

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 CBIN0284317 and the account number together uniquely identify the Bhagbanpur Fic Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC CBIN0284317

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the BHAGBANPUR FIC BRANCH 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 CBIN0284317 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.

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 – BHAGBANPUR FIC BRANCH:

• The IFSC is exactly CBIN0284317 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 BHAGBANPUR FIC BRANCH 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 Bhagbanpur Fic Branch branch

The branch is located at VILLAGE BHAGBANPUR,PO BHAGBANPUR,PS DOLARHAT,PIN 743399 SOUTH 24 PARGANA,WEST BENGAL, which puts it inside Dholahat, the broader South 24 Parganas district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Central Bank of India Bhagbanpur Fic Branch branch” — the verified location pin for IFSC CBIN0284317 should appear at the top of the results.
2. Confirm the branch is open by calling 22-22612008 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 CBIN0284317 and your account number.

Verifying IFSC CBIN0284317 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 CBIN0284317 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.

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 Bhagbanpur Fic Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0284317, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0284317 belongs to Central Bank of India's BHAGBANPUR FIC BRANCH branch, located at VILLAGE BHAGBANPUR,PO BHAGBANPUR,PS DOLARHAT,PIN 743399 SOUTH 24 PARGANA,WEST… in DHOLAHAT, 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.