Use this page as a one-stop reference for everything related to Central Bank of India's BRANCH branch in THANE, MAHARASHTRA. The branch's IFSC code CBIN0280636 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.
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 BRANCH branch, the IFSC CBIN0280636 breaks down as follows: CBIN identifies the bank, 0 is the reserved character, and 280636 identifies this particular branch.
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 Branch branch in Thane, Maharashtra is part of this network and uses the IFSC code CBIN0280636 for all electronic settlement.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Branch |
| IFSC Code | CBIN0280636 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MODELLAGRAM SHAKHA, OPP-WAGLE ESTATE, L. B. S. MARG, THANE- 400 604 |
| City | Thane |
| District | Thane |
| State | Maharashtra |
| STD Code | 22 |
| Phone | 22612008 |
Branch branch overview
Located at MODELLAGRAM SHAKHA, OPP-WAGLE ESTATE, L. B. S. MARG, THANE- 400 604, the Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0280636 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 BRANCH branch came to be assigned the code CBIN0280636.
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 CBIN0280636, money simply cannot be routed to the BRANCH branch electronically.
Products and account variants supported
Every account opened at the Branch branch is mapped to IFSC CBIN0280636 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 CBIN0280636.
Products and services
Customers walking into the Branch 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 CBIN0280636
How to transfer money using IFSC CBIN0280636
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 CBIN0280636 across all three.
NEFT to Central Bank of India, BRANCH using IFSC CBIN0280636
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 CBIN0280636, and confirm that the system picks up Central Bank of India – BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to BRANCH
If you need to transfer ₹2 lakh or more in one go to an account at Central Bank of India's BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CBIN0280636 while initiating the transfer and the credit will appear within minutes.
IMPS to Central Bank of India BRANCH (IFSC CBIN0280636)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0280636 in your mobile or internet banking app, and the money is credited to the BRANCH branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Branch
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 CBIN0280636:
- 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 BRANCH is still linked to IFSC CBIN0280636.
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 CBIN0280636
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 – BRANCH is still mapped to IFSC CBIN0280636. 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 CBIN0280636 and the beneficiary's account number to complete the transfer.
Digital banking channels
Most day-to-day work that customers used to do at the Branch 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 CBIN0280636 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.
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 CBIN0280636 and the account number together uniquely identify the Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Common mistakes to avoid when using IFSC CBIN0280636
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 – BRANCH, 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:
CBIN0280636. - 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.
Reaching the branch
The Branch branch sits at MODELLAGRAM SHAKHA, OPP-WAGLE ESTATE, L. B. S. MARG, THANE- 400 604. If you are travelling from outside Thane, search for the branch on a maps application using the bank name and locality, or call 22-22612008 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 CBIN0280636 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CBIN0280636 for Central Bank of India – BRANCH, 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 Branch 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 CBIN0280636 continue to work without interruption.
Branch address & contact
Central Bank of IndiaBranch Branch
MODELLAGRAM SHAKHA, OPP-WAGLE ESTATE, L. B. S. MARG, THANE- 400 604
Thane, Maharashtra
Phone: 22-22612008
IFSC: CBIN0280636
Frequently asked questions
Is IFSC CBIN0280636 the same for all accounts at Branch branch?
Yes. The IFSC CBIN0280636 is shared by every account held at Central Bank of India's Branch branch. Only the account number changes from customer to customer.
Can I use IFSC CBIN0280636 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0280636 to send funds instantly.
Is IFSC CBIN0280636 valid for NEFT and RTGS?
Yes. IFSC CBIN0280636 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Central Bank of India Branch branch located?
Central Bank of India's Branch branch is located at MODELLAGRAM SHAKHA, OPP-WAGLE ESTATE, L. B. S. MARG, THANE- 400 604, Thane, Maharashtra.
Does Central Bank of India Branch branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 22-22612008 to confirm.
How do I add Central Bank of India Branch as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0280636, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code CBIN0280636 belongs to Central Bank of India's BRANCH branch, located at MODELLAGRAM SHAKHA, OPP-WAGLE ESTATE, L. B. S. MARG, THANE- 400 604 in THANE, MAHARASHTRA. 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.
