Below are the complete branch details for Central Bank of India, MULUND branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is CBIN0281615. 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 CBIN0281615 for Central Bank of India – MULUND — 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, CBIN0281615 is the IFSC of Central Bank of India's MULUND branch. The format is fixed: CBIN = bank code, 0 = reserved, 281615 = branch identifier.
Bank profile
Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Mulund branch — IFSC CBIN0281615 — extends the bank's services to customers in and around Mumbai, Maharashtra.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Mulund |
| IFSC Code | CBIN0281615 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KRISHNA KUNJ, GROUND FLOOR, PLOT NO. 148, PURUSHOTTAM KHERAJ ROAD-400080 |
| City | Mumbai |
| District | Greater Bombay |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 22612008 |
Mulund branch overview
Located at KRISHNA KUNJ, GROUND FLOOR, PLOT NO. 148, PURUSHOTTAM KHERAJ ROAD-400080, the Mulund branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0281615 is required for all interbank electronic transfers routed through this branch.
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 MULUND of Central Bank of India — its own 11-character IFSC. The code CBIN0281615 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 CBIN0281615 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 Mulund branch is mapped to IFSC CBIN0281615 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 CBIN0281615.
Banking services available
The Mulund 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 CBIN0281615
How to transfer money using IFSC CBIN0281615
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 CBIN0281615 across all three.
NEFT to Central Bank of India, MULUND using IFSC CBIN0281615
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 CBIN0281615, and confirm that the system picks up Central Bank of India – MULUND. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CBIN0281615
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 – MULUND, ensure your bank's portal accepts IFSC CBIN0281615 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 – MULUND, use IMPS. With IFSC CBIN0281615 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 CBIN0281615 for Central Bank of India – MULUND, 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 – CBIN0281615 | Yes – CBIN0281615 | Yes – CBIN0281615 |
For most retail customers crediting the Mulund 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 CBIN0281615
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 – MULUND is still mapped to IFSC CBIN0281615. 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 CBIN0281615 and the beneficiary's account number to complete the transfer.
Online banking and IFSC CBIN0281615
Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the MULUND 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 CBIN0281615 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 Mulund branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0281615 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Common mistakes to avoid when using IFSC CBIN0281615
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 – MULUND, 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:
CBIN0281615. - 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 Mulund branch sits at KRISHNA KUNJ, GROUND FLOOR, PLOT NO. 148, PURUSHOTTAM KHERAJ ROAD-400080. If you are travelling from outside Mumbai, 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 CBIN0281615 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CBIN0281615 for Central Bank of India – MULUND, 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.
Working hours
Branch counters at Mulund 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 CBIN0281615 continue to work without interruption.
Branch address & contact
Central Bank of IndiaMulund Branch
KRISHNA KUNJ, GROUND FLOOR, PLOT NO. 148, PURUSHOTTAM KHERAJ ROAD-400080
Mumbai, Maharashtra
Phone: 22-22612008
IFSC: CBIN0281615
Frequently asked questions
Is IFSC CBIN0281615 the same for all accounts at Mulund branch?
Yes. The IFSC CBIN0281615 is shared by every account held at Central Bank of India's Mulund branch. Only the account number changes from customer to customer.
Is IFSC CBIN0281615 valid for NEFT and RTGS?
Yes. IFSC CBIN0281615 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using CBIN0281615 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Mulund reflect within 30 minutes.
How do I add Central Bank of India Mulund as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0281615, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is Central Bank of India Mulund branch located?
Central Bank of India's Mulund branch is located at KRISHNA KUNJ, GROUND FLOOR, PLOT NO. 148, PURUSHOTTAM KHERAJ ROAD-400080, Mumbai, Maharashtra.
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 Mulund branch but serve different purposes.
Can I use IFSC CBIN0281615 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0281615 to send funds instantly.
What is the phone number of Central Bank of India Mulund branch?
You can reach the branch at 22-22612008 during regular banking hours.
Summary
The IFSC code CBIN0281615 belongs to Central Bank of India's MULUND branch, located at KRISHNA KUNJ, GROUND FLOOR, PLOT NO. 148, PURUSHOTTAM KHERAJ ROAD-400080 in MUMBAI, MAHARASHTRA. 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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