IFSC Code of Central Bank of India, Keylong Branch, Himachal Pradesh

If you are searching for the IFSC code of Central Bank of India, KEYLONG branch in KEYLONG, HIMACHAL PRADESH, this page has every detail you need. The verified IFSC code for this branch is CBIN0284273. 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 KEYLONG branch, and detailed step-by-step guides for using the IFSC CBIN0284273 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, CBIN0284273 is the IFSC of Central Bank of India's KEYLONG branch. The format is fixed: CBIN = bank code, 0 = reserved, 284273 = branch identifier.

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Keylong branch — IFSC CBIN0284273 — extends the bank's services to customers in and around Keylong, Himachal Pradesh.

Branch details at a glance

Keylong branch overview

Located at NEAR KANGRA CENTRAL CO OP BANK LTD.,PIN 175132, the Keylong branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0284273 is required for all interbank electronic transfers routed through this branch.

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 KEYLONG branch came to be assigned the code CBIN0284273.

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 CBIN0284273, money simply cannot be routed to the KEYLONG branch electronically.

Products and account variants supported

Every account opened at the Keylong branch is mapped to IFSC CBIN0284273 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 CBIN0284273.

Banking services available

The Keylong 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 CBIN0284273

How to transfer money using IFSC CBIN0284273

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 CBIN0284273 across all three.

NEFT to Central Bank of India, KEYLONG using IFSC CBIN0284273

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 CBIN0284273, and confirm that the system picks up Central Bank of India – KEYLONG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CBIN0284273

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 – KEYLONG, ensure your bank's portal accepts IFSC CBIN0284273 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Central Bank of India KEYLONG (IFSC CBIN0284273)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0284273 in your mobile or internet banking app, and the money is credited to the KEYLONG branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Keylong

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 CBIN0284273:

• 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 KEYLONG is still linked to IFSC CBIN0284273.

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 CBIN0284273

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 – KEYLONG is still mapped to IFSC CBIN0284273. 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 CBIN0284273 and the beneficiary's account number to complete the transfer.

Online banking and IFSC CBIN0284273

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the KEYLONG 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 CBIN0284273 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 Keylong branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0284273 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 CBIN0284273

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 – KEYLONG, 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: CBIN0284273.
• 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.

Reaching the branch

The Keylong branch sits at NEAR KANGRA CENTRAL CO OP BANK LTD.,PIN 175132. If you are travelling from outside Keylong, 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 CBIN0284273 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0284273 for Central Bank of India – KEYLONG, 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 Keylong 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 CBIN0284273 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0284273 belongs to Central Bank of India's KEYLONG branch, located at NEAR KANGRA CENTRAL CO OP BANK LTD.,PIN 175132 in KEYLONG, HIMACHAL 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.