IFSC Code of Central Bank of India, Sitalkuchi Branch, West Bengal

If you are searching for the IFSC code of Central Bank of India, SITALKUCHI branch in SITALKUCHI, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is CBIN0281480. 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 SITALKUCHI branch, and detailed step-by-step guides for using the IFSC CBIN0281480 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.

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, CBIN0281480 is the IFSC of Central Bank of India's SITALKUCHI branch. The format is fixed: CBIN = bank code, 0 = reserved, 281480 = branch identifier.

Branch details at a glance

About the bank

Central Bank of India serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Sitalkuchi branch in Sitalkuchi, West Bengal is part of this network and uses the IFSC code CBIN0281480 for all electronic settlement.

About the Sitalkuchi branch

The Sitalkuchi branch of Central Bank of India is situated at VILLAGE & P.O. SITALKUCHI,DIST-COOCH BEHAR,WEST BENGAL-736758. 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 CBIN0281480 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 SITALKUCHI branch came to be assigned the code CBIN0281480.

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 CBIN0281480, money simply cannot be routed to the SITALKUCHI branch electronically.

How to transfer money using IFSC CBIN0281480

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 CBIN0281480 across all three.

How to use IFSC CBIN0281480 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's SITALKUCHI 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 CBIN0281480.
4. Confirm the bank name auto-populates as Central Bank of India and the branch as SITALKUCHI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to SITALKUCHI

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's SITALKUCHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0281480 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Central Bank of India – SITALKUCHI, use IMPS. With IFSC CBIN0281480 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC CBIN0281480 for Central Bank of India – SITALKUCHI, 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 Sitalkuchi 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 CBIN0281480

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 – SITALKUCHI is still mapped to IFSC CBIN0281480. 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 CBIN0281480 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Sitalkuchi branch is mapped to IFSC CBIN0281480 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 CBIN0281480.

Products and services

Customers walking into the Sitalkuchi 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 CBIN0281480

MICR & cheque-truncation details

Cheques drawn on the Sitalkuchi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0281480 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC CBIN0281480

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the SITALKUCHI 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 CBIN0281480 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 CBIN0281480

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 – SITALKUCHI, 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: CBIN0281480.
• 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 Sitalkuchi branch

The branch is located at VILLAGE & P.O. SITALKUCHI,DIST-COOCH BEHAR,WEST BENGAL-736758, which puts it inside Sitalkuchi, the broader Koch Bihar district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “Central Bank of India Sitalkuchi branch” — the verified location pin for IFSC CBIN0281480 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 CBIN0281480 and your account number.

Verifying IFSC CBIN0281480 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 CBIN0281480 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 Sitalkuchi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0281480, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0281480 belongs to Central Bank of India's SITALKUCHI branch, located at VILLAGE & P.O. SITALKUCHI,DIST-COOCH BEHAR,WEST BENGAL-736758 in SITALKUCHI, WEST BENGAL. 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.