Use this page as a one-stop reference for everything related to Central Bank of India's CHIRALA branch in GUNTUR, ANDHRA PRADESH. The branch's IFSC code CBIN0283562 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.
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, CBIN0283562 is the IFSC of Central Bank of India's CHIRALA branch. The format is fixed: CBIN = bank code, 0 = reserved, 283562 = branch identifier.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Chirala |
| IFSC Code | CBIN0283562 |
| MICR Code | Refer to cheque leaf |
| Branch Address | D NO 21 01 205,ANDHRA RATNA RD |
| City | Guntur |
| District | Guntur |
| State | Andhra Pradesh |
| STD Code | 22 |
| Phone | 22612008 |
About Central Bank of India
Central Bank of India operates a wide network of branches across India, including the Chirala branch in Guntur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CBIN0283562.
About the Chirala branch
The Chirala branch of Central Bank of India is situated at D NO 21 01 205,ANDHRA RATNA RD. 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 CBIN0283562 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 CHIRALA branch came to be assigned the code CBIN0283562.
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 CBIN0283562, money simply cannot be routed to the CHIRALA branch electronically.
How to transfer money using IFSC CBIN0283562
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 CBIN0283562 across all three.
NEFT to Central Bank of India, CHIRALA using IFSC CBIN0283562
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 CBIN0283562, and confirm that the system picks up Central Bank of India – CHIRALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CBIN0283562
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 – CHIRALA, ensure your bank's portal accepts IFSC CBIN0283562 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 – CHIRALA, use IMPS. With IFSC CBIN0283562 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 CBIN0283562 for Central Bank of India – CHIRALA, 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 – CBIN0283562 | Yes – CBIN0283562 | Yes – CBIN0283562 |
For most retail customers crediting the Chirala 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 CBIN0283562
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 – CHIRALA is still mapped to IFSC CBIN0283562. 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 CBIN0283562 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Chirala branch is mapped to IFSC CBIN0283562 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 CBIN0283562.
Banking services available
The Chirala 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 CBIN0283562
MICR & cheque-truncation details
Cheques drawn on the Chirala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0283562 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Chirala 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 CBIN0283562 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.
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 – CHIRALA:
- The IFSC is exactly CBIN0283562 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 CHIRALA 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 Chirala branch
The branch is located at D NO 21 01 205,ANDHRA RATNA RD, which puts it inside Guntur, the broader Guntur district, and the state of Andhra Pradesh. To plan your visit:
- Open Google Maps on your phone and search for “Central Bank of India Chirala branch” — the verified location pin for IFSC CBIN0283562 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 CBIN0283562 and your account number.
Verifying IFSC CBIN0283562 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 CBIN0283562 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 Chirala branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0283562, however, work 24x7.
Branch address & contact
Central Bank of IndiaChirala Branch
D NO 21 01 205,ANDHRA RATNA RD
Guntur, Andhra Pradesh
Phone: 22-22612008
IFSC: CBIN0283562
Frequently asked questions
Is IFSC CBIN0283562 the same for all accounts at Chirala branch?
Yes. The IFSC CBIN0283562 is shared by every account held at Central Bank of India's Chirala branch. Only the account number changes from customer to customer.
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 Chirala branch but serve different purposes.
Can I use IFSC CBIN0283562 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0283562 to send funds instantly.
Where is Central Bank of India Chirala branch located?
Central Bank of India's Chirala branch is located at D NO 21 01 205,ANDHRA RATNA RD, Guntur, Andhra Pradesh.
How do I add Central Bank of India Chirala as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0283562, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using CBIN0283562 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Chirala reflect within 30 minutes.
What is the phone number of Central Bank of India Chirala branch?
You can reach the branch at 22-22612008 during regular banking hours.
What is the IFSC code of Central Bank of India Chirala branch?
The IFSC code of Central Bank of India, Chirala branch is CBIN0283562. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: CBIN0283562 is the IFSC code of Central Bank of India, CHIRALA branch, in GUNTUR, ANDHRA PRADESH. 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.
More Articles for IFSC Code
IFSC Code of Zila Sahakri Bank Limited Ghaziabad, Loni Branch, Uttar Pradesh
