IFSC Code of Central Bank of India, Radhika Nagar,Bhilai Branch, Chhattisgarh

If you are searching for the IFSC code of Central Bank of India, RADHIKA NAGAR,BHILAI branch in DURG, CHHATTISGARH, this page has every detail you need. The verified IFSC code for this branch is CBIN0284758. 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 RADHIKA NAGAR,BHILAI branch, and detailed step-by-step guides for using the IFSC CBIN0284758 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.

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, CBIN0284758 is the IFSC of Central Bank of India's RADHIKA NAGAR,BHILAI branch. The format is fixed: CBIN = bank code, 0 = reserved, 284758 = branch identifier.

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Radhika Nagar,Bhilai branch — IFSC CBIN0284758 — extends the bank's services to customers in and around Durg, Chhattisgarh.

Branch details at a glance

About this branch

The branch is located at PLOT NO. 3,MAIN ROAD,RADHIKA NAGAR. It serves the Durg region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Central Bank of India. The IFSC CBIN0284758 is used to identify this branch on the RBI payments network.

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 RADHIKA NAGAR,BHILAI of Central Bank of India — its own 11-character IFSC. The code CBIN0284758 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 CBIN0284758 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Radhika Nagar,Bhilai branch

Once you have an account at Central Bank of India – RADHIKA NAGAR,BHILAI, the IFSC CBIN0284758 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Radhika Nagar,Bhilai 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 CBIN0284758

How to transfer money using IFSC CBIN0284758

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 CBIN0284758 across all three.

NEFT to Central Bank of India, RADHIKA NAGAR,BHILAI using IFSC CBIN0284758

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 CBIN0284758, and confirm that the system picks up Central Bank of India – RADHIKA NAGAR,BHILAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CBIN0284758

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 – RADHIKA NAGAR,BHILAI, ensure your bank's portal accepts IFSC CBIN0284758 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Central Bank of India RADHIKA NAGAR,BHILAI (IFSC CBIN0284758)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0284758 in your mobile or internet banking app, and the money is credited to the RADHIKA NAGAR,BHILAI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Radhika Nagar,Bhilai

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 CBIN0284758:

• 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 RADHIKA NAGAR,BHILAI is still linked to IFSC CBIN0284758.

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 CBIN0284758

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 – RADHIKA NAGAR,BHILAI is still mapped to IFSC CBIN0284758. 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 CBIN0284758 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CBIN0284758

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the RADHIKA NAGAR,BHILAI 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 CBIN0284758 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 Radhika Nagar,Bhilai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0284758 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC CBIN0284758

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 – RADHIKA NAGAR,BHILAI, 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: CBIN0284758.
• 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 Radhika Nagar,Bhilai branch

The branch is located at PLOT NO. 3,MAIN ROAD,RADHIKA NAGAR, which puts it inside Durg, the broader Durg district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Central Bank of India Radhika Nagar,Bhilai branch” — the verified location pin for IFSC CBIN0284758 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 CBIN0284758 and your account number.

Verifying IFSC CBIN0284758 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 CBIN0284758 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 Radhika Nagar,Bhilai 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 CBIN0284758 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CBIN0284758 is the IFSC code of Central Bank of India, RADHIKA NAGAR,BHILAI branch, in DURG, CHHATTISGARH. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.