If you are searching for the IFSC code of Central Bank of India, RANIPOOL branch in RANIPOOL, SIKKIM, this page has every detail you need. The verified IFSC code for this branch is CBIN0283805. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RANIPOOL branch, and detailed step-by-step guides for using the IFSC CBIN0283805 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
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 RANIPOOL branch, the IFSC CBIN0283805 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 283805 identifies this particular branch.
About Central Bank of India
Central Bank of India operates a wide network of branches across India, including the Ranipool branch in Ranipool. 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, CBIN0283805.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Ranipool |
| IFSC Code | CBIN0283805 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RANIPOOL BAZAR,NEAR RANIPOOL P.S. ,NATIONAL HIGHWAY 31 A,RANIPOOL 737135 |
| City | Ranipool |
| District | East Sikkim |
| State | Sikkim |
| STD Code | 22 |
| Phone | 22612008 |
Ranipool branch overview
Located at RANIPOOL BAZAR,NEAR RANIPOOL P.S. ,NATIONAL HIGHWAY 31 A,RANIPOOL 737135, the Ranipool branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0283805 is required for all interbank electronic transfers routed through this branch.
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 RANIPOOL branch came to be assigned the code CBIN0283805.
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 CBIN0283805, money simply cannot be routed to the RANIPOOL branch electronically.
Account types you can open at the Ranipool branch
Once you have an account at Central Bank of India – RANIPOOL, the IFSC CBIN0283805 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 Ranipool 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 CBIN0283805
How to transfer money using IFSC CBIN0283805
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 CBIN0283805 across all three.
NEFT to Central Bank of India, RANIPOOL using IFSC CBIN0283805
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 CBIN0283805, and confirm that the system picks up Central Bank of India – RANIPOOL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CBIN0283805
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 – RANIPOOL, ensure your bank's portal accepts IFSC CBIN0283805 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Central Bank of India RANIPOOL (IFSC CBIN0283805)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0283805 in your mobile or internet banking app, and the money is credited to the RANIPOOL branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CBIN0283805 for Central Bank of India – RANIPOOL, 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 – CBIN0283805 | Yes – CBIN0283805 | Yes – CBIN0283805 |
For most retail customers crediting the Ranipool 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.
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 RANIPOOL branch, the IFSC CBIN0283805 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.
Online banking and IFSC CBIN0283805
Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the RANIPOOL 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 CBIN0283805 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 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 CBIN0283805 and the account number together uniquely identify the Ranipool branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC CBIN0283805
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 – RANIPOOL, 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:
CBIN0283805. - 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 Ranipool branch sits at RANIPOOL BAZAR,NEAR RANIPOOL P.S. ,NATIONAL HIGHWAY 31 A,RANIPOOL 737135. If you are travelling from outside Ranipool, 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 CBIN0283805 and your account number.
Verifying IFSC CBIN0283805 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 CBIN0283805 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.
Working hours
Branch counters at Ranipool 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 CBIN0283805 continue to work without interruption.
Branch address & contact
Central Bank of IndiaRanipool Branch
RANIPOOL BAZAR,NEAR RANIPOOL P.S. ,NATIONAL HIGHWAY 31 A,RANIPOOL 737135
Ranipool, Sikkim
Phone: 22-22612008
IFSC: CBIN0283805
Frequently asked questions
Can I use IFSC CBIN0283805 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0283805 to send funds instantly.
How do I add Central Bank of India Ranipool as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0283805, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using CBIN0283805 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Ranipool reflect within 30 minutes.
Is IFSC CBIN0283805 the same for all accounts at Ranipool branch?
Yes. The IFSC CBIN0283805 is shared by every account held at Central Bank of India's Ranipool branch. Only the account number changes from customer to customer.
What is the phone number of Central Bank of India Ranipool branch?
You can reach the branch at 22-22612008 during regular banking hours.
Where is Central Bank of India Ranipool branch located?
Central Bank of India's Ranipool branch is located at RANIPOOL BAZAR,NEAR RANIPOOL P.S. ,NATIONAL HIGHWAY 31 A,RANIPOOL 737135, Ranipool, Sikkim.
Does Central Bank of India Ranipool branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22612008 to confirm.
What is the IFSC code of Central Bank of India Ranipool branch?
The IFSC code of Central Bank of India, Ranipool branch is CBIN0283805. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Final notes
To recap: CBIN0283805 is the IFSC code of Central Bank of India, RANIPOOL branch, in RANIPOOL, SIKKIM. 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.
