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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Central Bank of India, UPARWARA branch in RAIPUR. The 11-digit IFSC CBIN0284126 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Central Bank of India at the UPARWARA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 – UPARWARA is CBIN0284126. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 284126 map to this branch in RAIPUR, CHHATTISGARH.

About Central Bank of India

Central Bank of India operates a wide network of branches across India, including the Uparwara branch in Raipur. 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, CBIN0284126.

Uparwara branch overview

Located at BLOCK ABHANPUR,MAIN ROAD,NEAR NATIONAL LAW COLLEGE,UPARWARA 493661,RAIPUR, the Uparwara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0284126 is required for all interbank electronic transfers routed through this branch.

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 UPARWARA of Central Bank of India — its own 11-character IFSC. The code CBIN0284126 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 CBIN0284126 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 CBIN0284126 and the account number together uniquely identify the Uparwara branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC CBIN0284126

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 CBIN0284126 across all three.

How to use IFSC CBIN0284126 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's UPARWARA 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 CBIN0284126.
4. Confirm the bank name auto-populates as Central Bank of India and the branch as UPARWARA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CBIN0284126

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 – UPARWARA, ensure your bank's portal accepts IFSC CBIN0284126 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 – UPARWARA, use IMPS. With IFSC CBIN0284126 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 Uparwara

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 CBIN0284126:

• 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 UPARWARA is still linked to IFSC CBIN0284126.

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 CBIN0284126

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 – UPARWARA is still mapped to IFSC CBIN0284126. 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 CBIN0284126 and the beneficiary's account number to complete the transfer.

Account types you can open at the Uparwara branch

Once you have an account at Central Bank of India – UPARWARA, the IFSC CBIN0284126 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.

Banking services available

The Uparwara 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 CBIN0284126

Online banking and IFSC CBIN0284126

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the UPARWARA 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 CBIN0284126 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.

Reaching the branch

The Uparwara branch sits at BLOCK ABHANPUR,MAIN ROAD,NEAR NATIONAL LAW COLLEGE,UPARWARA 493661,RAIPUR. If you are travelling from outside Raipur, 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 CBIN0284126 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 – UPARWARA:

• The IFSC is exactly CBIN0284126 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 UPARWARA 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 Uparwara branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0284126, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0284126 for Central Bank of India – UPARWARA, 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 CBIN0284126 belongs to Central Bank of India's UPARWARA branch, located at BLOCK ABHANPUR,MAIN ROAD,NEAR NATIONAL LAW COLLEGE,UPARWARA 493661,RAIPUR in RAIPUR, CHHATTISGARH. 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.