If you are searching for the IFSC code of Central Bank of India, SIWAN branch in SIWAN, BIHAR, this page has every detail you need. The verified IFSC code for this branch is CBIN0280034. 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 SIWAN branch, and detailed step-by-step guides for using the IFSC CBIN0280034 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, CBIN0280034 is the IFSC of Central Bank of India's SIWAN branch. The format is fixed: CBIN = bank code, 0 = reserved, 280034 = branch identifier.
About Central Bank of India
Central Bank of India operates a wide network of branches across India, including the Siwan branch in Siwan. 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, CBIN0280034.
Siwan branch overview
Located at PATEL CHOWK, NEAR HEAD POST OFFICE, DIST SIWAN 841226., the Siwan branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0280034 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Siwan |
| IFSC Code | CBIN0280034 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PATEL CHOWK, NEAR HEAD POST OFFICE, DIST SIWAN 841226. |
| City | Siwan |
| District | Siwan |
| State | Bihar |
| STD Code | 22 |
| Phone | 22612008 |
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 SIWAN of Central Bank of India — its own 11-character IFSC. The code CBIN0280034 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 CBIN0280034 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 CBIN0280034 and the account number together uniquely identify the Siwan branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC CBIN0280034
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 CBIN0280034 across all three.
NEFT to Central Bank of India, SIWAN using IFSC CBIN0280034
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 CBIN0280034, and confirm that the system picks up Central Bank of India – SIWAN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CBIN0280034
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 – SIWAN, ensure your bank's portal accepts IFSC CBIN0280034 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Central Bank of India SIWAN (IFSC CBIN0280034)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0280034 in your mobile or internet banking app, and the money is credited to the SIWAN branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Siwan
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 CBIN0280034:
- 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 SIWAN is still linked to IFSC CBIN0280034.
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 SIWAN branch, the IFSC CBIN0280034 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.
Products and account variants supported
Every account opened at the Siwan branch is mapped to IFSC CBIN0280034 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 CBIN0280034.
Products and services
Customers walking into the Siwan 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 CBIN0280034
Online banking and IFSC CBIN0280034
Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the SIWAN 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 CBIN0280034 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.
How to reach the Siwan branch
The branch is located at PATEL CHOWK, NEAR HEAD POST OFFICE, DIST SIWAN 841226., which puts it inside Siwan, the broader Siwan district, and the state of Bihar. To plan your visit:
- Open Google Maps on your phone and search for “Central Bank of India Siwan branch” — the verified location pin for IFSC CBIN0280034 should appear at the top of the results.
- Confirm the branch is open by calling 22-22612008 before stepping out, especially around public holidays.
- 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 CBIN0280034 and your account number.
Common mistakes to avoid when using IFSC CBIN0280034
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 – SIWAN, 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:
CBIN0280034. - 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.
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 Siwan branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0280034, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CBIN0280034 for Central Bank of India – SIWAN, 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
Central Bank of IndiaSiwan Branch
PATEL CHOWK, NEAR HEAD POST OFFICE, DIST SIWAN 841226.
Siwan, Bihar
Phone: 22-22612008
IFSC: CBIN0280034
Frequently asked questions
Is IFSC CBIN0280034 valid for NEFT and RTGS?
Yes. IFSC CBIN0280034 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Is IFSC CBIN0280034 the same for all accounts at Siwan branch?
Yes. The IFSC CBIN0280034 is shared by every account held at Central Bank of India's Siwan branch. Only the account number changes from customer to customer.
Where is Central Bank of India Siwan branch located?
Central Bank of India's Siwan branch is located at PATEL CHOWK, NEAR HEAD POST OFFICE, DIST SIWAN 841226., Siwan, Bihar.
Can I use IFSC CBIN0280034 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0280034 to send funds instantly.
How quickly will an NEFT transfer using CBIN0280034 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Siwan reflect within 30 minutes.
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 Siwan branch but serve different purposes.
Does Central Bank of India Siwan 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 phone number of Central Bank of India Siwan branch?
You can reach the branch at 22-22612008 during regular banking hours.
Summary
The IFSC code CBIN0280034 belongs to Central Bank of India's SIWAN branch, located at PATEL CHOWK, NEAR HEAD POST OFFICE, DIST SIWAN 841226. in SIWAN, 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.
