IFSC Code of Central Bank of India, Dwarkanagar,Visakhapatnam Branch, Andhra Pradesh

If you are searching for the IFSC code of Central Bank of India, DWARKANAGAR,VISAKHAPATNAM branch in VISAKHAPATNAM, ANDHRA PRADESH, this page has every detail you need. The verified IFSC code for this branch is CBIN0283247. 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 DWARKANAGAR,VISAKHAPATNAM branch, and detailed step-by-step guides for using the IFSC CBIN0283247 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 – DWARKANAGAR,VISAKHAPATNAM is CBIN0283247. The first four letters CBIN are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 283247 map to this branch in VISAKHAPATNAM, ANDHRA PRADESH.

Bank profile

Central Bank of India is among the recognised banks listed on the Reserve Bank of India's payments network. The Dwarkanagar,Visakhapatnam branch — IFSC CBIN0283247 — extends the bank's services to customers in and around Visakhapatnam, Andhra Pradesh.

Branch details at a glance

Dwarkanagar,Visakhapatnam branch overview

Located at APSRTC COMPLEX,DIST VISAKHAPATNAM,ANDH.PRADESH., the Dwarkanagar,Visakhapatnam branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CBIN0283247 is required for all interbank electronic transfers routed through this branch.

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 DWARKANAGAR,VISAKHAPATNAM of Central Bank of India — its own 11-character IFSC. The code CBIN0283247 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 CBIN0283247 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 Dwarkanagar,Visakhapatnam branch is mapped to IFSC CBIN0283247 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 CBIN0283247.

Banking services available

The Dwarkanagar,Visakhapatnam branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-22612008.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC CBIN0283247

How to transfer money using IFSC CBIN0283247

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 CBIN0283247 across all three.

NEFT to Central Bank of India, DWARKANAGAR,VISAKHAPATNAM using IFSC CBIN0283247

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 CBIN0283247, and confirm that the system picks up Central Bank of India – DWARKANAGAR,VISAKHAPATNAM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CBIN0283247

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 – DWARKANAGAR,VISAKHAPATNAM, ensure your bank's portal accepts IFSC CBIN0283247 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Central Bank of India DWARKANAGAR,VISAKHAPATNAM (IFSC CBIN0283247)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0283247 in your mobile or internet banking app, and the money is credited to the DWARKANAGAR,VISAKHAPATNAM branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Dwarkanagar,Visakhapatnam

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 CBIN0283247:

• 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 DWARKANAGAR,VISAKHAPATNAM is still linked to IFSC CBIN0283247.

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 CBIN0283247

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 – DWARKANAGAR,VISAKHAPATNAM is still mapped to IFSC CBIN0283247. 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 CBIN0283247 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 Dwarkanagar,Visakhapatnam 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 CBIN0283247 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 CBIN0283247 and the account number together uniquely identify the Dwarkanagar,Visakhapatnam 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 CBIN0283247

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 – DWARKANAGAR,VISAKHAPATNAM, 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: CBIN0283247.
• 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.

How to reach the Dwarkanagar,Visakhapatnam branch

The branch is located at APSRTC COMPLEX,DIST VISAKHAPATNAM,ANDH.PRADESH., which puts it inside Visakhapatnam, the broader Vishakhapatnam district, and the state of Andhra Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Central Bank of India Dwarkanagar,Visakhapatnam branch” — the verified location pin for IFSC CBIN0283247 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 CBIN0283247 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CBIN0283247 for Central Bank of India – DWARKANAGAR,VISAKHAPATNAM, 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.

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 Dwarkanagar,Visakhapatnam branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0283247, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CBIN0283247 is the IFSC code of Central Bank of India, DWARKANAGAR,VISAKHAPATNAM branch, in VISAKHAPATNAM, ANDHRA PRADESH. 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.