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

If you are searching for the IFSC code of Central Bank of India, RUNISAIDPUR branch in RUNISAIDPUR, BIHAR, this page has every detail you need. The verified IFSC code for this branch is CBIN0280018. 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 RUNISAIDPUR branch, and detailed step-by-step guides for using the IFSC CBIN0280018 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 RUNISAIDPUR branch, the IFSC CBIN0280018 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 280018 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 Runisaidpur branch — IFSC CBIN0280018 — extends the bank's services to customers in and around Runisaidpur, Bihar.

About this branch

The branch is located at P.O. RUNISAIDPUR,DIST-SITAMARHI,BIHAR-843328. It serves the Runisaidpur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Central Bank of India. The IFSC CBIN0280018 is used to identify this branch on the RBI payments network.

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 RUNISAIDPUR of Central Bank of India — its own 11-character IFSC. The code CBIN0280018 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 CBIN0280018 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 CBIN0280018

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 CBIN0280018 across all three.

How to use IFSC CBIN0280018 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's RUNISAIDPUR 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 CBIN0280018.
4. Confirm the bank name auto-populates as Central Bank of India and the branch as RUNISAIDPUR.
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 CBIN0280018

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 – RUNISAIDPUR, ensure your bank's portal accepts IFSC CBIN0280018 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 – RUNISAIDPUR, use IMPS. With IFSC CBIN0280018 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 Runisaidpur

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 CBIN0280018:

• 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 RUNISAIDPUR is still linked to IFSC CBIN0280018.

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.

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 RUNISAIDPUR branch, the IFSC CBIN0280018 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.

Account types you can open at the Runisaidpur branch

Once you have an account at Central Bank of India – RUNISAIDPUR, the IFSC CBIN0280018 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 Runisaidpur 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 CBIN0280018

MICR & cheque-truncation details

Cheques drawn on the Runisaidpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0280018 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Runisaidpur 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 CBIN0280018 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.

Common mistakes to avoid when using IFSC CBIN0280018

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 – RUNISAIDPUR, 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: CBIN0280018.
• 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.

How to reach the Runisaidpur branch

The branch is located at P.O. RUNISAIDPUR,DIST-SITAMARHI,BIHAR-843328, which puts it inside Runisaidpur, the broader Sitamarhi district, and the state of Bihar. To plan your visit:

1. Open Google Maps on your phone and search for “Central Bank of India Runisaidpur branch” — the verified location pin for IFSC CBIN0280018 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 CBIN0280018 and your account number.

Verifying IFSC CBIN0280018 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 CBIN0280018 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 Runisaidpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0280018, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0280018 belongs to Central Bank of India's RUNISAIDPUR branch, located at P.O. RUNISAIDPUR,DIST-SITAMARHI,BIHAR-843328 in RUNISAIDPUR, 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.