IFSC Code of Central Bank of India, Lakhanpur Branch, Chhattisgarh

Use this page as a one-stop reference for everything related to Central Bank of India's LAKHANPUR branch in LAKHANPUR, CHHATTISGARH. The branch's IFSC code CBIN0281685 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 LAKHANPUR branch, the IFSC CBIN0281685 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 281685 identifies this particular branch.

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Lakhanpur branch — IFSC CBIN0281685 — extends the bank's services to customers in and around Lakhanpur, Chhattisgarh.

About the Lakhanpur branch

The Lakhanpur branch of Central Bank of India is situated at P.O. LAKHANPUR, TEHSIL - AMBIKAPUR,DIST-SURGUJA,CHHATTISGARH-497116. 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 CBIN0281685 is used.

Branch details at a glance

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 LAKHANPUR branch came to be assigned the code CBIN0281685.

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 CBIN0281685, money simply cannot be routed to the LAKHANPUR branch electronically.

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 CBIN0281685 and the account number together uniquely identify the Lakhanpur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CBIN0281685

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 CBIN0281685 across all three.

How to use IFSC CBIN0281685 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's LAKHANPUR branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CBIN0281685.
4. Confirm the bank name auto-populates as Central Bank of India and the branch as LAKHANPUR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to LAKHANPUR

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's LAKHANPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0281685 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 – LAKHANPUR, use IMPS. With IFSC CBIN0281685 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 Lakhanpur

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 CBIN0281685:

• 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 LAKHANPUR is still linked to IFSC CBIN0281685.

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.

UPI payments and IFSC CBIN0281685

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 – LAKHANPUR is still mapped to IFSC CBIN0281685. 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 CBIN0281685 and the beneficiary's account number to complete the transfer.

Account types you can open at the Lakhanpur branch

Once you have an account at Central Bank of India – LAKHANPUR, the IFSC CBIN0281685 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.

Products and services

Customers walking into the Lakhanpur 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 CBIN0281685

Digital banking channels

Most day-to-day work that customers used to do at the Lakhanpur 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 CBIN0281685 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.

How to reach the Lakhanpur branch

The branch is located at P.O. LAKHANPUR, TEHSIL - AMBIKAPUR,DIST-SURGUJA,CHHATTISGARH-497116, which puts it inside Lakhanpur, the broader Surguja district, and the state of Chhattisgarh. To plan your visit:

1. Open Google Maps on your phone and search for “Central Bank of India Lakhanpur branch” — the verified location pin for IFSC CBIN0281685 should appear at the top of the results.
2. Confirm the branch is open by calling 22-22612008 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC CBIN0281685 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 – LAKHANPUR:

• The IFSC is exactly CBIN0281685 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 LAKHANPUR 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.

Working hours

Branch counters at Lakhanpur 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 CBIN0281685 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0281685 for Central Bank of India – LAKHANPUR, 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

Final notes

To recap: CBIN0281685 is the IFSC code of Central Bank of India, LAKHANPUR branch, in LAKHANPUR, CHHATTISGARH. 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.