This page lists the IFSC code, branch address, contact number and fund-transfer information for Central Bank of India, SEMAPUR branch in SEMAPUR. The 11-digit IFSC CBIN0281509 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 SEMAPUR 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.
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, CBIN0281509 is the IFSC of Central Bank of India's SEMAPUR branch. The format is fixed: CBIN = bank code, 0 = reserved, 281509 = branch identifier.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Semapur |
| IFSC Code | CBIN0281509 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O. SEMAPUR, DIST- KATIHAR, BIHAR-854115 |
| City | Semapur |
| District | Katihar |
| State | Bihar |
| STD Code | 22 |
| Phone | 22612008 |
About Central Bank of India
Central Bank of India operates a wide network of branches across India, including the Semapur branch in Semapur. 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, CBIN0281509.
About the Semapur branch
The Semapur branch of Central Bank of India is situated at P.O. SEMAPUR, DIST- KATIHAR, BIHAR-854115. 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 CBIN0281509 is used.
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 SEMAPUR branch came to be assigned the code CBIN0281509.
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 CBIN0281509, money simply cannot be routed to the SEMAPUR branch electronically.
How to transfer money using IFSC CBIN0281509
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 CBIN0281509 across all three.
NEFT to Central Bank of India, SEMAPUR using IFSC CBIN0281509
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 CBIN0281509, and confirm that the system picks up Central Bank of India – SEMAPUR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to SEMAPUR
If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's SEMAPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0281509 while initiating the transfer and the credit will appear within minutes.
IMPS to Central Bank of India SEMAPUR (IFSC CBIN0281509)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0281509 in your mobile or internet banking app, and the money is credited to the SEMAPUR branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Semapur
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 CBIN0281509:
- 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 SEMAPUR is still linked to IFSC CBIN0281509.
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 CBIN0281509
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 – SEMAPUR is still mapped to IFSC CBIN0281509. 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 CBIN0281509 and the beneficiary's account number to complete the transfer.
Products and account variants supported
Every account opened at the Semapur branch is mapped to IFSC CBIN0281509 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 CBIN0281509.
Banking services available
The Semapur 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 CBIN0281509
MICR & cheque-truncation details
Cheques drawn on the Semapur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0281509 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 Semapur 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 CBIN0281509 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 CBIN0281509
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 – SEMAPUR, 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:
CBIN0281509. - 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 Semapur branch sits at P.O. SEMAPUR, DIST- KATIHAR, BIHAR-854115. If you are travelling from outside Semapur, 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 CBIN0281509 and your account number.
Verifying IFSC CBIN0281509 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 CBIN0281509 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 Semapur 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 CBIN0281509 continue to work without interruption.
Branch address & contact
Central Bank of IndiaSemapur Branch
P.O. SEMAPUR, DIST- KATIHAR, BIHAR-854115
Semapur, Bihar
Phone: 22-22612008
IFSC: CBIN0281509
Frequently asked questions
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 Semapur branch but serve different purposes.
Is IFSC CBIN0281509 the same for all accounts at Semapur branch?
Yes. The IFSC CBIN0281509 is shared by every account held at Central Bank of India's Semapur branch. Only the account number changes from customer to customer.
Where is Central Bank of India Semapur branch located?
Central Bank of India's Semapur branch is located at P.O. SEMAPUR, DIST- KATIHAR, BIHAR-854115, Semapur, Bihar.
What is the IFSC code of Central Bank of India Semapur branch?
The IFSC code of Central Bank of India, Semapur branch is CBIN0281509. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC CBIN0281509 valid for NEFT and RTGS?
Yes. IFSC CBIN0281509 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Does Central Bank of India Semapur branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22612008 to confirm.
How quickly will an NEFT transfer using CBIN0281509 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Semapur reflect within 30 minutes.
Summary
The IFSC code CBIN0281509 belongs to Central Bank of India's SEMAPUR branch, located at P.O. SEMAPUR, DIST- KATIHAR, BIHAR-854115 in SEMAPUR, 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.
