If you are searching for the IFSC code of Central Bank of India, VADAKARA branch in KOZHIKODE, KERALA, this page has every detail you need. The verified IFSC code for this branch is CBIN0285234. 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 VADAKARA branch, and detailed step-by-step guides for using the IFSC CBIN0285234 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.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For Central Bank of India's VADAKARA branch, the IFSC CBIN0285234 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 285234 identifies this particular branch.
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 Vadakara branch in Kozhikode, Kerala is part of this network and uses the IFSC code CBIN0285234 for all electronic settlement.
Vadakara branch overview
Located at SAFA ARCADE RAILWAY STATION ROAD EDOODI,VADAKARA DIST - KOZHIKODE,KERALA, the Vadakara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0285234 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Vadakara |
| IFSC Code | CBIN0285234 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SAFA ARCADE RAILWAY STATION ROAD EDOODI,VADAKARA DIST - KOZHIKODE,KERALA |
| City | Kozhikode |
| District | Kozhikode |
| State | Kerala |
| STD Code | 22 |
| Phone | 22637967 |
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 VADAKARA of Central Bank of India — its own 11-character IFSC. The code CBIN0285234 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 CBIN0285234 the same way you would treat your account number — verify it once and save it carefully for future use.
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 CBIN0285234 and the account number together uniquely identify the Vadakara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CBIN0285234
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 CBIN0285234 across all three.
NEFT to Central Bank of India, VADAKARA using IFSC CBIN0285234
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 CBIN0285234, and confirm that the system picks up Central Bank of India – VADAKARA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to VADAKARA
If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's VADAKARA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0285234 while initiating the transfer and the credit will appear within minutes.
IMPS to Central Bank of India VADAKARA (IFSC CBIN0285234)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0285234 in your mobile or internet banking app, and the money is credited to the VADAKARA branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Vadakara
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 CBIN0285234:
- 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 VADAKARA is still linked to IFSC CBIN0285234.
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 VADAKARA branch, the IFSC CBIN0285234 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 Vadakara branch
Once you have an account at Central Bank of India – VADAKARA, the IFSC CBIN0285234 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.
Banking services available
The Vadakara branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22637967.
- 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 CBIN0285234
Online banking and IFSC CBIN0285234
Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the VADAKARA 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 CBIN0285234 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.
Reaching the branch
The Vadakara branch sits at SAFA ARCADE RAILWAY STATION ROAD EDOODI,VADAKARA DIST - KOZHIKODE,KERALA. If you are travelling from outside Kozhikode, search for the branch on a maps application using the bank name and locality, or call 22-22637967 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 CBIN0285234 and your account number.
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 – VADAKARA:
- The IFSC is exactly CBIN0285234 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 VADAKARA 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.
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 Vadakara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0285234, however, work 24x7.
Verifying IFSC CBIN0285234 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 CBIN0285234 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-22637967.
- Visiting the bank's official branch locator page.
Branch address & contact
Central Bank of IndiaVadakara Branch
SAFA ARCADE RAILWAY STATION ROAD EDOODI,VADAKARA DIST - KOZHIKODE,KERALA
Kozhikode, Kerala
Phone: 22-22637967
IFSC: CBIN0285234
Frequently asked questions
Does Central Bank of India Vadakara branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22637967 to confirm.
What is the phone number of Central Bank of India Vadakara branch?
You can reach the branch at 22-22637967 during regular banking hours.
Is IFSC CBIN0285234 the same for all accounts at Vadakara branch?
Yes. The IFSC CBIN0285234 is shared by every account held at Central Bank of India's Vadakara branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using CBIN0285234 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Vadakara reflect within 30 minutes.
Where is Central Bank of India Vadakara branch located?
Central Bank of India's Vadakara branch is located at SAFA ARCADE RAILWAY STATION ROAD EDOODI,VADAKARA DIST - KOZHIKODE,KERALA, Kozhikode, Kerala.
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 Vadakara branch but serve different purposes.
Can I use IFSC CBIN0285234 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0285234 to send funds instantly.
Is IFSC CBIN0285234 valid for NEFT and RTGS?
Yes. IFSC CBIN0285234 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code CBIN0285234 belongs to Central Bank of India's VADAKARA branch, located at SAFA ARCADE RAILWAY STATION ROAD EDOODI,VADAKARA DIST - KOZHIKODE,KERALA in KOZHIKODE, KERALA. 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.
