Use this page as a one-stop reference for everything related to Central Bank of India's RUSTOMPURA branch in SURAT, GUJARAT. The branch's IFSC code CBIN0280513 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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, CBIN0280513 is the IFSC of Central Bank of India's RUSTOMPURA branch. The format is fixed: CBIN = bank code, 0 = reserved, 280513 = branch identifier.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Rustompura |
| IFSC Code | CBIN0280513 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SINGAPURI WADI, MAIN ROAD, RUSTOMPURA, SURAT 395 002 |
| City | Surat |
| District | Surat |
| State | Gujarat |
| STD Code | 22 |
| Phone | 22637966 |
Bank profile
Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Rustompura branch — IFSC CBIN0280513 — extends the bank's services to customers in and around Surat, Gujarat.
About this branch
The branch is located at SINGAPURI WADI, MAIN ROAD, RUSTOMPURA, SURAT 395 002. 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 CBIN0280513 is used to identify this branch on the RBI payments network.
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 RUSTOMPURA branch came to be assigned the code CBIN0280513.
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 CBIN0280513, money simply cannot be routed to the RUSTOMPURA branch electronically.
How to transfer money using IFSC CBIN0280513
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 CBIN0280513 across all three.
How to use IFSC CBIN0280513 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Central Bank of India's RUSTOMPURA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC CBIN0280513.
- Confirm the bank name auto-populates as Central Bank of India and the branch as RUSTOMPURA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC CBIN0280513
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 – RUSTOMPURA, ensure your bank's portal accepts IFSC CBIN0280513 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 – RUSTOMPURA, use IMPS. With IFSC CBIN0280513 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 CBIN0280513 for Central Bank of India – RUSTOMPURA, 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 – CBIN0280513 | Yes – CBIN0280513 | Yes – CBIN0280513 |
For most retail customers crediting the Rustompura 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 CBIN0280513
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 – RUSTOMPURA is still mapped to IFSC CBIN0280513. 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 CBIN0280513 and the beneficiary's account number to complete the transfer.
Account types you can open at the Rustompura branch
Once you have an account at Central Bank of India – RUSTOMPURA, the IFSC CBIN0280513 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 Rustompura 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 CBIN0280513
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 CBIN0280513 and the account number together uniquely identify the Rustompura branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Digital banking channels
Most day-to-day work that customers used to do at the Rustompura 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 CBIN0280513 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.
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 – RUSTOMPURA:
- The IFSC is exactly CBIN0280513 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 RUSTOMPURA 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.
How to reach the Rustompura branch
The branch is located at SINGAPURI WADI, MAIN ROAD, RUSTOMPURA, SURAT 395 002, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:
- Open Google Maps on your phone and search for “Central Bank of India Rustompura branch” — the verified location pin for IFSC CBIN0280513 should appear at the top of the results.
- Confirm the branch is open by calling 22-22637966 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 CBIN0280513 and your account number.
Verifying IFSC CBIN0280513 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 CBIN0280513 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 22-22637966.
- 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 Rustompura branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0280513, however, work 24x7.
Branch address & contact
Central Bank of IndiaRustompura Branch
SINGAPURI WADI, MAIN ROAD, RUSTOMPURA, SURAT 395 002
Surat, Gujarat
Phone: 22-22637966
IFSC: CBIN0280513
Frequently asked questions
How do I add Central Bank of India Rustompura as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0280513, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the phone number of Central Bank of India Rustompura branch?
You can reach the branch at 22-22637966 during regular banking hours.
Does Central Bank of India Rustompura branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22637966 to confirm.
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 Rustompura branch but serve different purposes.
Can I use IFSC CBIN0280513 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0280513 to send funds instantly.
How quickly will an NEFT transfer using CBIN0280513 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Rustompura reflect within 30 minutes.
Is IFSC CBIN0280513 the same for all accounts at Rustompura branch?
Yes. The IFSC CBIN0280513 is shared by every account held at Central Bank of India's Rustompura branch. Only the account number changes from customer to customer.
Is IFSC CBIN0280513 valid for NEFT and RTGS?
Yes. IFSC CBIN0280513 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Summary
The IFSC code CBIN0280513 belongs to Central Bank of India's RUSTOMPURA branch, located at SINGAPURI WADI, MAIN ROAD, RUSTOMPURA, SURAT 395 002 in SURAT, GUJARAT. 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.
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