IFSC Code of Central Bank of India, T.R.C.M.P.U. Ltd Milma Branch, Kerala

This page lists the IFSC code, branch address, contact number and fund-transfer information for Central Bank of India, T.R.C.M.P.U. LTD MILMA branch in THIRUVANANTHAPURAM. The 11-digit IFSC CBIN0284154 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Central Bank of India at the T.R.C.M.P.U. LTD MILMA location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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, CBIN0284154 is the IFSC of Central Bank of India's T.R.C.M.P.U. LTD MILMA branch. The format is fixed: CBIN = bank code, 0 = reserved, 284154 = branch identifier.

About Central Bank of India

Central Bank of India operates a wide network of branches across India, including the T.R.C.M.P.U. Ltd Milma branch in Thiruvananthapuram. 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, CBIN0284154.

Branch details at a glance

About the T.R.C.M.P.U. Ltd Milma branch

The T.R.C.M.P.U. Ltd Milma branch of Central Bank of India is situated at CBI,THIRUVANANTHAPURAM REGIONAL CO.OPERATIVE MILK PRODUCERS UNION LTD. MILMA ,THIRUVANANTAPURAM,KERALA 695026 TEL NO 471 2381024. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CBIN0284154 is used.

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 T.R.C.M.P.U. LTD MILMA of Central Bank of India — its own 11-character IFSC. The code CBIN0284154 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 CBIN0284154 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the T.R.C.M.P.U. Ltd Milma branch is mapped to IFSC CBIN0284154 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 CBIN0284154.

Products and services

Customers walking into the T.R.C.M.P.U. Ltd Milma 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 CBIN0284154

How to transfer money using IFSC CBIN0284154

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 CBIN0284154 across all three.

NEFT to Central Bank of India, T.R.C.M.P.U. LTD MILMA using IFSC CBIN0284154

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 CBIN0284154, and confirm that the system picks up Central Bank of India – T.R.C.M.P.U. LTD MILMA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CBIN0284154

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 – T.R.C.M.P.U. LTD MILMA, ensure your bank's portal accepts IFSC CBIN0284154 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 – T.R.C.M.P.U. LTD MILMA, use IMPS. With IFSC CBIN0284154 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 CBIN0284154 for Central Bank of India – T.R.C.M.P.U. LTD MILMA, 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.

For most retail customers crediting the T.R.C.M.P.U. Ltd Milma 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.

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 T.R.C.M.P.U. LTD MILMA branch, the IFSC CBIN0284154 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.

Online banking and IFSC CBIN0284154

Central Bank of India customers can register for net banking and the bank's official mobile app once their account at the T.R.C.M.P.U. LTD MILMA 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 CBIN0284154 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 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 CBIN0284154 and the account number together uniquely identify the T.R.C.M.P.U. Ltd Milma 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 CBIN0284154

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 – T.R.C.M.P.U. LTD MILMA, 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: CBIN0284154.
• 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 T.R.C.M.P.U. Ltd Milma branch sits at CBI,THIRUVANANTHAPURAM REGIONAL CO.OPERATIVE MILK PRODUCERS UNION LTD. MILMA ,THIRUVANANTAPURAM,KERALA 695026 TEL NO 471 2381024. If you are travelling from outside Thiruvananthapuram, 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 CBIN0284154 and your account number.

Verifying IFSC CBIN0284154 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 CBIN0284154 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-22612008.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at T.R.C.M.P.U. Ltd Milma 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 CBIN0284154 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CBIN0284154 belongs to Central Bank of India's T.R.C.M.P.U. LTD MILMA branch, located at CBI,THIRUVANANTHAPURAM REGIONAL CO.OPERATIVE MILK PRODUCERS UNION LTD. MILMA… in THIRUVANANTHAPURAM, KERALA. 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.