Use this page as a one-stop reference for everything related to Central Bank of India's HANDOD branch in KARJAN, GUJARAT. The branch's IFSC code CBIN0282620 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, CBIN0282620 is the IFSC of Central Bank of India's HANDOD branch. The format is fixed: CBIN = bank code, 0 = reserved, 282620 = branch identifier.
Bank profile
Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Handod branch — IFSC CBIN0282620 — extends the bank's services to customers in and around Karjan, Gujarat.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Handod |
| IFSC Code | CBIN0282620 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O. HANDOD,TALUKA KARJAN,DIST BARODA,GUJARAT 391240. |
| City | Karjan |
| District | Vadodara |
| State | Gujarat |
| STD Code | 22 |
| Phone | 22612008 |
About this branch
The branch is located at P.O. HANDOD,TALUKA KARJAN,DIST BARODA,GUJARAT 391240.. It serves the Karjan 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 CBIN0282620 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 HANDOD of Central Bank of India — its own 11-character IFSC. The code CBIN0282620 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 CBIN0282620 the same way you would treat your account number — verify it once and save it carefully for future use.
Products and account variants supported
Every account opened at the Handod branch is mapped to IFSC CBIN0282620 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 CBIN0282620.
Products and services
Customers walking into the Handod 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 CBIN0282620
How to transfer money using IFSC CBIN0282620
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 CBIN0282620 across all three.
How to use IFSC CBIN0282620 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's HANDOD branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CBIN0282620.
- Confirm the bank name auto-populates as Central Bank of India and the branch as HANDOD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to HANDOD
If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's HANDOD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0282620 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 – HANDOD, use IMPS. With IFSC CBIN0282620 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 Handod
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 CBIN0282620:
- 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 HANDOD is still linked to IFSC CBIN0282620.
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.
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 HANDOD branch, the IFSC CBIN0282620 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 CBIN0282620
Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the HANDOD 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 CBIN0282620 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 CBIN0282620 and the account number together uniquely identify the Handod branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
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 – HANDOD:
- The IFSC is exactly CBIN0282620 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 HANDOD 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.
Reaching the branch
The Handod branch sits at P.O. HANDOD,TALUKA KARJAN,DIST BARODA,GUJARAT 391240.. If you are travelling from outside Karjan, search for the branch on a maps application using the bank name and locality, or call 22-22612008 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC CBIN0282620 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CBIN0282620 for Central Bank of India – HANDOD, 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 Handod 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 CBIN0282620 continue to work without interruption.
Branch address & contact
Central Bank of IndiaHandod Branch
P.O. HANDOD,TALUKA KARJAN,DIST BARODA,GUJARAT 391240.
Karjan, Gujarat
Phone: 22-22612008
IFSC: CBIN0282620
Frequently asked questions
How quickly will an NEFT transfer using CBIN0282620 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Handod reflect within 30 minutes.
How do I add Central Bank of India Handod as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0282620, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Central Bank of India Handod branch?
You can reach the branch at 22-22612008 during regular banking hours.
Does Central Bank of India Handod 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 Handod branch located?
Central Bank of India's Handod branch is located at P.O. HANDOD,TALUKA KARJAN,DIST BARODA,GUJARAT 391240., Karjan, Gujarat.
Is IFSC CBIN0282620 valid for NEFT and RTGS?
Yes. IFSC CBIN0282620 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Final notes
To recap: CBIN0282620 is the IFSC code of Central Bank of India, HANDOD branch, in KARJAN, GUJARAT. 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.
