This page lists the IFSC code, branch address, contact number and fund-transfer information for Central Bank of India, VISAKHAPATNAM REGIONAL OFFICE branch in VISAKHAPATNAM. The 11-digit IFSC CBIN0287013 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 VISAKHAPATNAM REGIONAL OFFICE 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, CBIN0287013 is the IFSC of Central Bank of India's VISAKHAPATNAM REGIONAL OFFICE branch. The format is fixed: CBIN = bank code, 0 = reserved, 287013 = branch identifier.
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 Visakhapatnam Regional Office branch in Visakhapatnam, Andhra Pradesh is part of this network and uses the IFSC code CBIN0287013 for all electronic settlement.
Branch details at a glance
| Bank Name | Central Bank of India |
|---|---|
| Branch | Visakhapatnam Regional Office |
| IFSC Code | CBIN0287013 |
| MICR Code | Refer to cheque leaf |
| Branch Address | 50-81-28, JK CENTER, SEETAMMAPETA, VISHAKAPATNAM, PO DWARKANAGAR-530016 |
| City | Visakhapatnam |
| District | Vishakhapatnam |
| State | Andhra Pradesh |
| STD Code | 22 |
| Phone | 22637966 |
About this branch
The branch is located at 50-81-28, JK CENTER, SEETAMMAPETA, VISHAKAPATNAM, PO DWARKANAGAR-530016. It serves the Visakhapatnam 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 CBIN0287013 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 VISAKHAPATNAM REGIONAL OFFICE branch came to be assigned the code CBIN0287013.
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 CBIN0287013, money simply cannot be routed to the VISAKHAPATNAM REGIONAL OFFICE branch electronically.
Products and account variants supported
Every account opened at the Visakhapatnam Regional Office branch is mapped to IFSC CBIN0287013 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 CBIN0287013.
Products and services
Customers walking into the Visakhapatnam 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 CBIN0287013
How to transfer money using IFSC CBIN0287013
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 CBIN0287013 across all three.
NEFT to Central Bank of India, VISAKHAPATNAM REGIONAL OFFICE using IFSC CBIN0287013
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 CBIN0287013, and confirm that the system picks up Central Bank of India – VISAKHAPATNAM REGIONAL OFFICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC CBIN0287013
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 – VISAKHAPATNAM REGIONAL OFFICE, ensure your bank's portal accepts IFSC CBIN0287013 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Central Bank of India VISAKHAPATNAM REGIONAL OFFICE (IFSC CBIN0287013)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC CBIN0287013 in your mobile or internet banking app, and the money is credited to the VISAKHAPATNAM REGIONAL OFFICE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC CBIN0287013 for Central Bank of India – VISAKHAPATNAM REGIONAL OFFICE, 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 – CBIN0287013 | Yes – CBIN0287013 | Yes – CBIN0287013 |
For most retail customers crediting the Visakhapatnam Regional Office 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 CBIN0287013
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 – VISAKHAPATNAM REGIONAL OFFICE is still mapped to IFSC CBIN0287013. 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 CBIN0287013 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 Visakhapatnam 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 CBIN0287013 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 CBIN0287013 and the account number together uniquely identify the Visakhapatnam Regional Office 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 CBIN0287013
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 – VISAKHAPATNAM REGIONAL OFFICE, 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:
CBIN0287013. - 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 Visakhapatnam Regional Office branch sits at 50-81-28, JK CENTER, SEETAMMAPETA, VISHAKAPATNAM, PO DWARKANAGAR-530016. If you are travelling from outside Visakhapatnam, search for the branch on a maps application using the bank name and locality, or call 22-22637966 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 CBIN0287013 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC CBIN0287013 for Central Bank of India – VISAKHAPATNAM 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.
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 Visakhapatnam Regional Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CBIN0287013, however, work 24x7.
Branch address & contact
Central Bank of IndiaVisakhapatnam Regional Office Branch
50-81-28, JK CENTER, SEETAMMAPETA, VISHAKAPATNAM, PO DWARKANAGAR-530016
Visakhapatnam, Andhra Pradesh
Phone: 22-22637966
IFSC: CBIN0287013
Frequently asked questions
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 Visakhapatnam Regional Office branch but serve different purposes.
How quickly will an NEFT transfer using CBIN0287013 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Central Bank of India – Visakhapatnam Regional Office reflect within 30 minutes.
Where is Central Bank of India Visakhapatnam Regional Office branch located?
Central Bank of India's Visakhapatnam Regional Office branch is located at 50-81-28, JK CENTER, SEETAMMAPETA, VISHAKAPATNAM, PO DWARKANAGAR-530016, Visakhapatnam, Andhra Pradesh.
Can I use IFSC CBIN0287013 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC CBIN0287013 to send funds instantly.
Is IFSC CBIN0287013 the same for all accounts at Visakhapatnam Regional Office branch?
Yes. The IFSC CBIN0287013 is shared by every account held at Central Bank of India's Visakhapatnam Regional Office branch. Only the account number changes from customer to customer.
What is the phone number of Central Bank of India Visakhapatnam Regional Office branch?
You can reach the branch at 22-22637966 during regular banking hours.
How do I add Central Bank of India Visakhapatnam Regional Office as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC CBIN0287013, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code CBIN0287013 belongs to Central Bank of India's VISAKHAPATNAM REGIONAL OFFICE branch, located at 50-81-28, JK CENTER, SEETAMMAPETA, VISHAKAPATNAM, PO DWARKANAGAR-530016 in VISAKHAPATNAM, ANDHRA PRADESH. 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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