IFSC Code of Central Bank of India, Laitumukhrah,Shillong Branch, Meghalaya

Below are the complete branch details for Central Bank of India, LAITUMUKHRAH,SHILLONG branch, located in LAITUMKHRAH, MEGHALAYA. The IFSC assigned by the Reserve Bank of India to this branch is CBIN0282712. 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 CBIN0282712 for Central Bank of India – LAITUMUKHRAH,SHILLONG — 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 – LAITUMUKHRAH,SHILLONG is CBIN0282712. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 282712 map to this branch in LAITUMKHRAH, MEGHALAYA.

About Central Bank of India

Central Bank of India operates a wide network of branches across India, including the Laitumukhrah,Shillong branch in Laitumkhrah. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CBIN0282712.

About this branch

The branch is located at T. PASSAH MANSION,POLICE POINT,P.O. SHILLONG,DIST SHILLONG,MEGHALAYA 793003. It serves the Laitumkhrah 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 CBIN0282712 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 LAITUMUKHRAH,SHILLONG of Central Bank of India — its own 11-character IFSC. The code CBIN0282712 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 CBIN0282712 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 CBIN0282712 and the account number together uniquely identify the Laitumukhrah,Shillong branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CBIN0282712

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 CBIN0282712 across all three.

NEFT to Central Bank of India, LAITUMUKHRAH,SHILLONG using IFSC CBIN0282712

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 CBIN0282712, and confirm that the system picks up Central Bank of India – LAITUMUKHRAH,SHILLONG. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LAITUMUKHRAH,SHILLONG

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's LAITUMUKHRAH,SHILLONG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0282712 while initiating the transfer and the credit will appear within minutes.

IMPS to Central Bank of India LAITUMUKHRAH,SHILLONG (IFSC CBIN0282712)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0282712 in your mobile or internet banking app, and the money is credited to the LAITUMUKHRAH,SHILLONG branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Laitumukhrah,Shillong

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 CBIN0282712:

• 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 LAITUMUKHRAH,SHILLONG is still linked to IFSC CBIN0282712.

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 LAITUMUKHRAH,SHILLONG branch, the IFSC CBIN0282712 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.

Products and account variants supported

Every account opened at the Laitumukhrah,Shillong branch is mapped to IFSC CBIN0282712 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 CBIN0282712.

Products and services

Customers walking into the Laitumukhrah,Shillong 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 CBIN0282712

Digital banking channels

Most day-to-day work that customers used to do at the Laitumukhrah,Shillong 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 CBIN0282712 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.

Reaching the branch

The Laitumukhrah,Shillong branch sits at T. PASSAH MANSION,POLICE POINT,P.O. SHILLONG,DIST SHILLONG,MEGHALAYA 793003. If you are travelling from outside Laitumkhrah, 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 CBIN0282712 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 – LAITUMUKHRAH,SHILLONG:

• The IFSC is exactly CBIN0282712 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 LAITUMUKHRAH,SHILLONG 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 Laitumukhrah,Shillong branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0282712, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0282712 for Central Bank of India – LAITUMUKHRAH,SHILLONG, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0282712 belongs to Central Bank of India's LAITUMUKHRAH,SHILLONG branch, located at T. PASSAH MANSION,POLICE POINT,P.O. SHILLONG,DIST SHILLONG,MEGHALAYA 793003 in LAITUMKHRAH, MEGHALAYA. 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.