Below are the complete branch details for Central Bank of India, KUCHAIKOT branch, located in KUCHAIKOT, BIHAR. The IFSC assigned by the Reserve Bank of India to this branch is CBIN0281699. 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 CBIN0281699 for Central Bank of India – KUCHAIKOT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
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, CBIN0281699 is the IFSC of Central Bank of India's KUCHAIKOT branch. The format is fixed: CBIN = bank code, 0 = reserved, 281699 = branch identifier.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Kuchaikot |
| IFSC Code | CBIN0281699 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O. KUCHAIKOT,DIST-GOPALGANJ,BIHAR-841501 |
| City | Kuchaikot |
| District | Gopalganj |
| State | Bihar |
| STD Code | 22 |
| Phone | 22612008 |
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 Kuchaikot branch in Kuchaikot, Bihar is part of this network and uses the IFSC code CBIN0281699 for all electronic settlement.
Kuchaikot branch overview
Located at P.O. KUCHAIKOT,DIST-GOPALGANJ,BIHAR-841501, the Kuchaikot branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0281699 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 KUCHAIKOT branch came to be assigned the code CBIN0281699.
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 CBIN0281699, money simply cannot be routed to the KUCHAIKOT branch electronically.
How to transfer money using IFSC CBIN0281699
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 CBIN0281699 across all three.
NEFT to Central Bank of India, KUCHAIKOT using IFSC CBIN0281699
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 CBIN0281699, and confirm that the system picks up Central Bank of India – KUCHAIKOT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KUCHAIKOT
If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's KUCHAIKOT branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0281699 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 – KUCHAIKOT, use IMPS. With IFSC CBIN0281699 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CBIN0281699 for Central Bank of India – KUCHAIKOT, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – CBIN0281699 | Yes – CBIN0281699 | Yes – CBIN0281699 |
For most retail customers crediting the Kuchaikot 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 CBIN0281699
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 – KUCHAIKOT is still mapped to IFSC CBIN0281699. 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 CBIN0281699 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Kuchaikot branch is mapped to IFSC CBIN0281699 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 CBIN0281699.
Products and services
Customers walking into the Kuchaikot 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 CBIN0281699
MICR & cheque-truncation details
Cheques drawn on the Kuchaikot branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0281699 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Digital banking channels
Most day-to-day work that customers used to do at the Kuchaikot branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CBIN0281699 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Common mistakes to avoid when using IFSC CBIN0281699
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 – KUCHAIKOT, 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:
CBIN0281699. - 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 Kuchaikot branch sits at P.O. KUCHAIKOT,DIST-GOPALGANJ,BIHAR-841501. If you are travelling from outside Kuchaikot, 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 CBIN0281699 and your account number.
Verifying IFSC CBIN0281699 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 CBIN0281699 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 Kuchaikot branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0281699, however, work 24x7.
Branch address & contact
Central Bank of IndiaKuchaikot Branch
P.O. KUCHAIKOT,DIST-GOPALGANJ,BIHAR-841501
Kuchaikot, Bihar
Phone: 22-22612008
IFSC: CBIN0281699
Frequently asked questions
Does Central Bank of India Kuchaikot branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22612008 to confirm.
What is the phone number of Central Bank of India Kuchaikot branch?
You can reach the branch at 22-22612008 during regular banking hours.
How quickly will an NEFT transfer using CBIN0281699 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Kuchaikot reflect within 30 minutes.
Is IFSC CBIN0281699 the same for all accounts at Kuchaikot branch?
Yes. The IFSC CBIN0281699 is shared by every account held at Central Bank of India's Kuchaikot branch. Only the account number changes from customer to customer.
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 Kuchaikot branch but serve different purposes.
What is the IFSC code of Central Bank of India Kuchaikot branch?
The IFSC code of Central Bank of India, Kuchaikot branch is CBIN0281699. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Where is Central Bank of India Kuchaikot branch located?
Central Bank of India's Kuchaikot branch is located at P.O. KUCHAIKOT,DIST-GOPALGANJ,BIHAR-841501, Kuchaikot, Bihar.
Summary
The IFSC code CBIN0281699 belongs to Central Bank of India's KUCHAIKOT branch, located at P.O. KUCHAIKOT,DIST-GOPALGANJ,BIHAR-841501 in KUCHAIKOT, BIHAR. 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.
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