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IFSC Code of Central Bank of India, Kalvakunta Branch, Andhra Pradesh

IFSC code CBIN0281648 - Central Bank of India, Kalvakunta Branch, Kalvakunta, Andhra Pradesh. Use it for NEFT, RTGS and IMPS transfers.

Use this page as a one-stop reference for everything related to Central Bank of India's KALVAKUNTA branch in KALVAKUNTA, ANDHRA PRADESH. The branch's IFSC code CBIN0281648 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 – KALVAKUNTA is CBIN0281648. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 281648 map to this branch in KALVAKUNTA, ANDHRA PRADESH.

Branch details at a glance

Bank Name	Central Bank of India
Branch	Kalvakunta
IFSC Code	CBIN0281648
MICR Code	Refer to cheque leaf
Branch Address	KALVAKUNTA POST, RAMAYAMPET MANDAL , DIST- MEDAK, ANDHRA PRADESH-502102
City	Kalvakunta
District	Medak
State	Andhra Pradesh
STD Code	22
Phone	22612008

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Kalvakunta branch — IFSC CBIN0281648 — extends the bank's services to customers in and around Kalvakunta, Andhra Pradesh.

About this branch

The branch is located at KALVAKUNTA POST, RAMAYAMPET MANDAL , DIST- MEDAK, ANDHRA PRADESH-502102. It serves the Kalvakunta 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 CBIN0281648 is used to identify this branch on the RBI payments network.

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 KALVAKUNTA branch came to be assigned the code CBIN0281648.

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 CBIN0281648, money simply cannot be routed to the KALVAKUNTA branch electronically.

How to transfer money using IFSC CBIN0281648

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 CBIN0281648 across all three.

NEFT to Central Bank of India, KALVAKUNTA using IFSC CBIN0281648

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 CBIN0281648, and confirm that the system picks up Central Bank of India – KALVAKUNTA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KALVAKUNTA

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's KALVAKUNTA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0281648 while initiating the transfer and the credit will appear within minutes.

IMPS to Central Bank of India KALVAKUNTA (IFSC CBIN0281648)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0281648 in your mobile or internet banking app, and the money is credited to the KALVAKUNTA branch account within seconds.

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

All three modes accept the IFSC CBIN0281648 for Central Bank of India – KALVAKUNTA, 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 – CBIN0281648	Yes – CBIN0281648	Yes – CBIN0281648

For most retail customers crediting the Kalvakunta 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 KALVAKUNTA branch, the IFSC CBIN0281648 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.

Account types you can open at the Kalvakunta branch

Once you have an account at Central Bank of India – KALVAKUNTA, the IFSC CBIN0281648 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.

Products and services

Customers walking into the Kalvakunta 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 CBIN0281648

MICR & cheque-truncation details

Cheques drawn on the Kalvakunta branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0281648 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC CBIN0281648

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the KALVAKUNTA 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 CBIN0281648 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.

Common mistakes to avoid when using IFSC CBIN0281648

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 – KALVAKUNTA, 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: CBIN0281648.
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 Kalvakunta branch

The branch is located at KALVAKUNTA POST, RAMAYAMPET MANDAL , DIST- MEDAK, ANDHRA PRADESH-502102, which puts it inside Kalvakunta, the broader Medak district, and the state of Andhra Pradesh. To plan your visit:

Open Google Maps on your phone and search for “Central Bank of India Kalvakunta branch” — the verified location pin for IFSC CBIN0281648 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 CBIN0281648 and your account number.

Verifying IFSC CBIN0281648 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 CBIN0281648 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 Kalvakunta 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 CBIN0281648 continue to work without interruption.

Branch address & contact

Central Bank of India
Kalvakunta Branch
KALVAKUNTA POST, RAMAYAMPET MANDAL , DIST- MEDAK, ANDHRA PRADESH-502102
Kalvakunta, Andhra Pradesh
Phone: 22-22612008
IFSC: CBIN0281648

Frequently asked questions

Does Central Bank of India Kalvakunta branch offer locker facilities?

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

Where is Central Bank of India Kalvakunta branch located?

Central Bank of India's Kalvakunta branch is located at KALVAKUNTA POST, RAMAYAMPET MANDAL , DIST- MEDAK, ANDHRA PRADESH-502102, Kalvakunta, Andhra Pradesh.

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

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

How quickly will an NEFT transfer using CBIN0281648 be credited?

NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Kalvakunta reflect within 30 minutes.

Can I use IFSC CBIN0281648 for IMPS transfers?

Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0281648 to send funds instantly.

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

Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0281648, and complete OTP verification. Once activated, you can transfer funds at any time.

Is IFSC CBIN0281648 the same for all accounts at Kalvakunta branch?

Yes. The IFSC CBIN0281648 is shared by every account held at Central Bank of India's Kalvakunta branch. Only the account number changes from customer to customer.

Is IFSC CBIN0281648 valid for NEFT and RTGS?

Yes. IFSC CBIN0281648 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.

Summary

The IFSC code CBIN0281648 belongs to Central Bank of India's KALVAKUNTA branch, located at KALVAKUNTA POST, RAMAYAMPET MANDAL , DIST- MEDAK, ANDHRA PRADESH-502102 in KALVAKUNTA, ANDHRA PRADESH. 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.