IFSC Code of Central Bank of India, Amgola Branch, Bihar

Use this page as a one-stop reference for everything related to Central Bank of India's AMGOLA branch in MUZAFFARPUR, BIHAR. The branch's IFSC code CBIN0281023 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 AMGOLA branch, the IFSC CBIN0281023 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 281023 identifies this particular branch.

Branch details at a glance

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Amgola branch — IFSC CBIN0281023 — extends the bank's services to customers in and around Muzaffarpur, Bihar.

About the Amgola branch

The Amgola branch of Central Bank of India is situated at AMGOLA,DIST-MUZAFFARPUR-842001,. 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 CBIN0281023 is used.

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 AMGOLA of Central Bank of India — its own 11-character IFSC. The code CBIN0281023 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 CBIN0281023 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CBIN0281023

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 CBIN0281023 across all three.

NEFT to Central Bank of India, AMGOLA using IFSC CBIN0281023

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 CBIN0281023, and confirm that the system picks up Central Bank of India – AMGOLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to AMGOLA

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's AMGOLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0281023 while initiating the transfer and the credit will appear within minutes.

IMPS to Central Bank of India AMGOLA (IFSC CBIN0281023)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0281023 in your mobile or internet banking app, and the money is credited to the AMGOLA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC CBIN0281023 for Central Bank of India – AMGOLA, 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.

For most retail customers crediting the Amgola 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 CBIN0281023

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 – AMGOLA is still mapped to IFSC CBIN0281023. 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 CBIN0281023 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Amgola branch is mapped to IFSC CBIN0281023 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 CBIN0281023.

Banking services available

The Amgola 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 CBIN0281023

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 CBIN0281023 and the account number together uniquely identify the Amgola branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC CBIN0281023

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the AMGOLA 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 CBIN0281023 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.

Common mistakes to avoid when using IFSC CBIN0281023

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 – AMGOLA, 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: CBIN0281023.
• 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 Amgola branch sits at AMGOLA,DIST-MUZAFFARPUR-842001,. If you are travelling from outside Muzaffarpur, 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 CBIN0281023 and your account number.

Verifying IFSC CBIN0281023 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 CBIN0281023 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 Amgola branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0281023, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0281023 belongs to Central Bank of India's AMGOLA branch, located at AMGOLA,DIST-MUZAFFARPUR-842001, in MUZAFFARPUR, 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.