IFSC Code of Central Bank of India, Khiroda Branch, Maharashtra

Below are the complete branch details for Central Bank of India, KHIRODA branch, located in KHIRODA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is CBIN0281961. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CBIN0281961 for Central Bank of India – KHIRODA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – KHIRODA is CBIN0281961. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 281961 map to this branch in KHIRODA, MAHARASHTRA.

Branch details at a glance

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Khiroda branch — IFSC CBIN0281961 — extends the bank's services to customers in and around Khiroda, Maharashtra.

About this branch

The branch is located at AT & P.O. KHIRODA, TALUKA - RAVER, DIST-JALGAON, MAHARASHTRA-425504. It serves the Khiroda 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 CBIN0281961 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 KHIRODA of Central Bank of India — its own 11-character IFSC. The code CBIN0281961 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 CBIN0281961 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CBIN0281961

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 CBIN0281961 across all three.

NEFT to Central Bank of India, KHIRODA using IFSC CBIN0281961

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 CBIN0281961, and confirm that the system picks up Central Bank of India – KHIRODA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CBIN0281961

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 – KHIRODA, ensure your bank's portal accepts IFSC CBIN0281961 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Central Bank of India KHIRODA (IFSC CBIN0281961)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0281961 in your mobile or internet banking app, and the money is credited to the KHIRODA branch account within seconds.

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

All three modes accept the IFSC CBIN0281961 for Central Bank of India – KHIRODA, 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.

For most retail customers crediting the Khiroda 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 CBIN0281961

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 – KHIRODA is still mapped to IFSC CBIN0281961. 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 CBIN0281961 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Khiroda branch is mapped to IFSC CBIN0281961 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 CBIN0281961.

Products and services

Customers walking into the Khiroda 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 CBIN0281961

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 CBIN0281961 and the account number together uniquely identify the Khiroda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC CBIN0281961

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the KHIRODA 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 CBIN0281961 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.

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 – KHIRODA:

• The IFSC is exactly CBIN0281961 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 KHIRODA 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 Khiroda branch sits at AT & P.O. KHIRODA, TALUKA - RAVER, DIST-JALGAON, MAHARASHTRA-425504. If you are travelling from outside Khiroda, 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 CBIN0281961 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0281961 for Central Bank of India – KHIRODA, 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 Khiroda 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 CBIN0281961 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: CBIN0281961 is the IFSC code of Central Bank of India, KHIRODA branch, in KHIRODA, MAHARASHTRA. 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.