If you are searching for the IFSC code of Central Bank of India, LAL DARWAJA SURAT branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is CBIN0280511. 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 LAL DARWAJA SURAT branch, and detailed step-by-step guides for using the IFSC CBIN0280511 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.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Central Bank of India – LAL DARWAJA SURAT is CBIN0280511. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 280511 map to this branch in SURAT, GUJARAT.
Bank profile
Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Lal Darwaja Surat branch — IFSC CBIN0280511 — extends the bank's services to customers in and around Surat, Gujarat.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Lal Darwaja Surat |
| IFSC Code | CBIN0280511 |
| MICR Code | Refer to cheque leaf |
| Branch Address | RESHAM BHAVAN, LAL DARWAJA, SURAT 395 003 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 22 |
| Phone | 22637966 |
About this branch
The branch is located at RESHAM BHAVAN, LAL DARWAJA, SURAT 395 003. It serves the Surat 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 CBIN0280511 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 LAL DARWAJA SURAT of Central Bank of India — its own 11-character IFSC. The code CBIN0280511 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 CBIN0280511 the same way you would treat your account number — verify it once and save it carefully for future use.
Account types you can open at the Lal Darwaja Surat branch
Once you have an account at Central Bank of India – LAL DARWAJA SURAT, the IFSC CBIN0280511 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 Lal Darwaja Surat 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 CBIN0280511
How to transfer money using IFSC CBIN0280511
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 CBIN0280511 across all three.
NEFT to Central Bank of India, LAL DARWAJA SURAT using IFSC CBIN0280511
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 CBIN0280511, and confirm that the system picks up Central Bank of India – LAL DARWAJA SURAT. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CBIN0280511
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 – LAL DARWAJA SURAT, ensure your bank's portal accepts IFSC CBIN0280511 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 – LAL DARWAJA SURAT, use IMPS. With IFSC CBIN0280511 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 CBIN0280511 for Central Bank of India – LAL DARWAJA SURAT, 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 – CBIN0280511 | Yes – CBIN0280511 | Yes – CBIN0280511 |
For most retail customers crediting the Lal Darwaja Surat 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 CBIN0280511
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 – LAL DARWAJA SURAT is still mapped to IFSC CBIN0280511. 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 CBIN0280511 and the beneficiary's account number to complete the transfer.
Online banking and IFSC CBIN0280511
Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the LAL DARWAJA SURAT 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 CBIN0280511 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 & cheque-truncation details
Cheques drawn on the Lal Darwaja Surat branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0280511 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Central Bank of India – LAL DARWAJA SURAT:
- The IFSC is exactly CBIN0280511 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Central Bank of India as the bank name and LAL DARWAJA SURAT as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Reaching the branch
The Lal Darwaja Surat branch sits at RESHAM BHAVAN, LAL DARWAJA, SURAT 395 003. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 22-22637966 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 CBIN0280511 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CBIN0280511 for Central Bank of India – LAL DARWAJA SURAT, 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.
Working hours
Branch counters at Lal Darwaja Surat 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 CBIN0280511 continue to work without interruption.
Branch address & contact
Central Bank of IndiaLal Darwaja Surat Branch
RESHAM BHAVAN, LAL DARWAJA, SURAT 395 003
Surat, Gujarat
Phone: 22-22637966
IFSC: CBIN0280511
Frequently asked questions
How quickly will an NEFT transfer using CBIN0280511 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Lal Darwaja Surat reflect within 30 minutes.
What is the phone number of Central Bank of India Lal Darwaja Surat branch?
You can reach the branch at 22-22637966 during regular banking hours.
Is IFSC CBIN0280511 valid for NEFT and RTGS?
Yes. IFSC CBIN0280511 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Central Bank of India Lal Darwaja Surat branch located?
Central Bank of India's Lal Darwaja Surat branch is located at RESHAM BHAVAN, LAL DARWAJA, SURAT 395 003, Surat, Gujarat.
Is IFSC CBIN0280511 the same for all accounts at Lal Darwaja Surat branch?
Yes. The IFSC CBIN0280511 is shared by every account held at Central Bank of India's Lal Darwaja Surat branch. Only the account number changes from customer to customer.
Does Central Bank of India Lal Darwaja Surat branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22637966 to confirm.
How do I add Central Bank of India Lal Darwaja Surat as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0280511, and complete OTP verification. Once activated, you can transfer funds at any time.
Can I use IFSC CBIN0280511 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0280511 to send funds instantly.
Final notes
To recap: CBIN0280511 is the IFSC code of Central Bank of India, LAL DARWAJA SURAT branch, in SURAT, GUJARAT. 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.
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