If you are searching for the IFSC code of Central Bank of India, KOILATHAN branch in KOILATHAN, BIHAR, this page has every detail you need. The verified IFSC code for this branch is CBIN0282453. 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 KOILATHAN branch, and detailed step-by-step guides for using the IFSC CBIN0282453 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, CBIN0282453 is the IFSC of Central Bank of India's KOILATHAN branch. The format is fixed: CBIN = bank code, 0 = reserved, 282453 = branch identifier.
About the bank
Central Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Koilathan branch in Koilathan, Bihar is part of this network and uses the IFSC code CBIN0282453 for all electronic settlement.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Koilathan |
| IFSC Code | CBIN0282453 |
| MICR Code | Refer to cheque leaf |
| Branch Address | AT & P.O. KOILATHAN, DIST- DARBHANGA, BIHAR-846004 |
| City | Koilathan |
| District | Darbhanga |
| State | Bihar |
| STD Code | 22 |
| Phone | 22612008 |
About the Koilathan branch
The Koilathan branch of Central Bank of India is situated at AT & P.O. KOILATHAN, DIST- DARBHANGA, BIHAR-846004. 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 CBIN0282453 is used.
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 KOILATHAN of Central Bank of India — its own 11-character IFSC. The code CBIN0282453 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 CBIN0282453 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 Koilathan branch is mapped to IFSC CBIN0282453 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 CBIN0282453.
Banking services available
The Koilathan 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 CBIN0282453
How to transfer money using IFSC CBIN0282453
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 CBIN0282453 across all three.
NEFT to Central Bank of India, KOILATHAN using IFSC CBIN0282453
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 CBIN0282453, and confirm that the system picks up Central Bank of India – KOILATHAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CBIN0282453
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 – KOILATHAN, ensure your bank's portal accepts IFSC CBIN0282453 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 – KOILATHAN, use IMPS. With IFSC CBIN0282453 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 Koilathan
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 CBIN0282453:
- 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 KOILATHAN is still linked to IFSC CBIN0282453.
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 KOILATHAN branch, the IFSC CBIN0282453 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 CBIN0282453
Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the KOILATHAN 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 CBIN0282453 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 Koilathan branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0282453 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
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 – KOILATHAN:
- The IFSC is exactly CBIN0282453 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 KOILATHAN 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 Koilathan branch sits at AT & P.O. KOILATHAN, DIST- DARBHANGA, BIHAR-846004. If you are travelling from outside Koilathan, 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 CBIN0282453 and your account number.
Verifying IFSC CBIN0282453 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 CBIN0282453 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 Koilathan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0282453, however, work 24x7.
Branch address & contact
Central Bank of IndiaKoilathan Branch
AT & P.O. KOILATHAN, DIST- DARBHANGA, BIHAR-846004
Koilathan, Bihar
Phone: 22-22612008
IFSC: CBIN0282453
Frequently asked questions
Does Central Bank of India Koilathan branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22612008 to confirm.
Is IFSC CBIN0282453 the same for all accounts at Koilathan branch?
Yes. The IFSC CBIN0282453 is shared by every account held at Central Bank of India's Koilathan branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CBIN0282453 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Koilathan reflect within 30 minutes.
Can I use IFSC CBIN0282453 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0282453 to send funds instantly.
Where is Central Bank of India Koilathan branch located?
Central Bank of India's Koilathan branch is located at AT & P.O. KOILATHAN, DIST- DARBHANGA, BIHAR-846004, Koilathan, Bihar.
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 Koilathan branch but serve different purposes.
Final notes
To recap: CBIN0282453 is the IFSC code of Central Bank of India, KOILATHAN branch, in KOILATHAN, BIHAR. 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.
