IFSC Code of Central Bank of India, Surat Regional Office Branch, Gujarat

If you are searching for the IFSC code of Central Bank of India, SURAT REGIONAL OFFICE branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is CBIN0281146. 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 SURAT REGIONAL OFFICE branch, and detailed step-by-step guides for using the IFSC CBIN0281146 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Central Bank of India's SURAT REGIONAL OFFICE branch, the IFSC CBIN0281146 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 281146 identifies this particular branch.

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 Surat Regional Office branch in Surat, Gujarat is part of this network and uses the IFSC code CBIN0281146 for all electronic settlement.

Surat Regional Office branch overview

Located at 1/930,P.B.NO 201,NARIMABAD BUILDING,ATHUGHAR STREET,NANPURADIST SURAT,GUJARAT 395001, the Surat Regional Office branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0281146 is required for all interbank electronic transfers routed through this branch.

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 SURAT REGIONAL OFFICE branch came to be assigned the code CBIN0281146.

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 CBIN0281146, money simply cannot be routed to the SURAT REGIONAL OFFICE branch electronically.

How to transfer money using IFSC CBIN0281146

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 CBIN0281146 across all three.

NEFT to Central Bank of India, SURAT REGIONAL OFFICE using IFSC CBIN0281146

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 CBIN0281146, and confirm that the system picks up Central Bank of India – SURAT REGIONAL OFFICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SURAT REGIONAL OFFICE

If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's SURAT REGIONAL OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0281146 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 – SURAT REGIONAL OFFICE, use IMPS. With IFSC CBIN0281146 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Surat Regional Office

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 CBIN0281146:

• 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 SURAT REGIONAL OFFICE is still linked to IFSC CBIN0281146.

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 CBIN0281146

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 – SURAT REGIONAL OFFICE is still mapped to IFSC CBIN0281146. 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 CBIN0281146 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Surat Regional Office branch is mapped to IFSC CBIN0281146 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 CBIN0281146.

Products and services

Customers walking into the Surat Regional Office 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 CBIN0281146

MICR & cheque-truncation details

Cheques drawn on the Surat Regional Office branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CBIN0281146 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 Surat Regional Office 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 CBIN0281146 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 – SURAT REGIONAL OFFICE:

• The IFSC is exactly CBIN0281146 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 SURAT REGIONAL OFFICE 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 Surat Regional Office branch

The branch is located at 1/930,P.B.NO 201,NARIMABAD BUILDING,ATHUGHAR STREET,NANPURADIST SURAT,GUJARAT 395001, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Central Bank of India Surat Regional Office branch” — the verified location pin for IFSC CBIN0281146 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 CBIN0281146 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0281146 for Central Bank of India – SURAT REGIONAL OFFICE, 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 Surat Regional Office 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 CBIN0281146 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0281146 belongs to Central Bank of India's SURAT REGIONAL OFFICE branch, located at 1/930,P.B.NO 201,NARIMABAD BUILDING,ATHUGHAR STREET,NANPURADIST SURAT,GUJARAT… 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.