Last updated on: August 6, 2025
Central Bank of India IFSC Code: A 2025 Guide
In the digital-first era, secure and convenient banking is no longer a luxury but a necessity. Indian Financial System Code (IFSC) is an important code that facilitates electronic transfer of funds in India. The Central Bank of India is one of the oldest and most reputed public sector banks with millions of customers countrywide, among the numerous leading banks. Knowledge of your Central Bank of India IFSC code is key to a seamless financial operation, particularly in 2025 when cashless transactions become the centre of attraction.
This guide will provide an in-depth overview of the Central Bank of India IFSC code, including what it is, how to locate it, why it is important, and how it will affect your banking experience in 2025. Be it an online money transfer, payment of purchases on online marketplaces, or sharing your account data to make a digital payment, this article will answer all your questions in simple and practical terms.
What is an IFSC Code?
The IFSC code, short for Indian Financial System Code, is a unique 11-character identifier for every branch of banks regulated by the Reserve Bank of India (RBI).
Format Example: CBIN0280319
Breakdown:
- First 4 Letters: Represent the bank (CBIN for Central Bank of India)
- 5th Character: Always zero (0), reserved for future use
- Last 6 Characters: Find out the branch
The IFSC code is different in each Central Bank of India branch in India, ensuring that your money is transferred to the right account when you make an online transfer using NEFT, RTGS or IMPS.
What is the significance of the Central Bank of India IFSC Code in 2025?
As the world is fast switching to digital banking and cashless transactions, correct IFSC codes are a necessity. In 2025, nearly every single person and business bank transfer, such as payments made on e-commerce websites and local markets, will rely on perfect electronic fund transfers.
Key Reasons:
- Makes Processing Safe: Does not allow funds to be credited to the incorrect account.
- Quicker Transactions: Enables instant payments through IMPS and UPI.
- Needed to Transfer Money in Most Banks: Applied to NEFT, RTGS, online bill payment and merchant transactions.
- KYC and E-verifications: These are usually needed in e-KYC, tax refunds, or government scheme subsidy credits.
Finding your Central Bank of India IFSC Code
In 2025, it is much simpler to obtain the IFSC code of your particular branch, with the help of digital sources. This is how you can find it:
On Your Chequebook or Passbook
All Central Bank of India passbooks and chequebooks have the IFSC code printed on the first page or the cheque leaf.Via the Official Website
- Go to centralbankofindia.co.in
- Go to the Branch Locator
- Enter your state, city and branch name
- The branch details contain the IFSC code
Mobile Banking Apps
Access your Central Bank of India mobile banking app and log in. Open your account or branch and you can see the IFSC code under the heading of Account Details or Branch Info.Official Website of RBI
The Reserve Bank of India maintains a comprehensive list of all bank branch IFSC codes on its official website (rbi.org.in).Marketplaces and Online Payment Platforms
When you are buying something or getting a payment on Amazon, Flipkart, or Paytm, the system will usually ask you to enter the correct IFSC code in case you connect your account.
Pro Tip: Before transferring a large amount of funds, it is always advisable to cross-check the IFSC code to avoid any unnecessary delays or rejections.
Central Bank of India IFSC Code Structure
To get a feel of what the IFSC code means, let us deconstruct a typical IFSC code of Central Bank of India:
| Sample IFSC Code | Bank Code | Reserved (0) | Branch Code |
|---|---|---|---|
| CBIN0280319 | CBIN | 0 | 280319 (03919) |
Example:
In New Delhi, the Connaught Place branch has the IFSC code, CBIN0280319.
Every section informs you of something:
- CBIN: Central Bank of India
- 0: Common standard of all IFSC codes
- 280319: Peculiar to that particular branch
What Is the Usage of the Central Bank of India IFSC Code?
Why do you need an IFSC code?
- Online Fund Transfers: NEFT, RTGS, IMPS
- Getting Payments: Send your IFSC to your friends and family or clients to get payments
- Merchant Transactions: Needed to connect your existing account to payment gateways or online marketplaces such as Flipkart or Meesho
- Bill Payments & Subscription Services: This is used to set up ECS or recurring payments
- Government Subsidies & Direct Benefits: To get direct credits of government departments
How to Transfer Money using IFSC Code in 2025 Step-by-Step
- Sign in to Your Banking Portal/Mobile App
- Choose Fund Transfer
- Choose Transfer Method (NEFT, RTGS, IMPS)
- Beneficiary Details:
- Name
- Account Number
- Central Bank of India IFSC Code (for beneficiary’s branch)
- Amount of Input Transferred
- Check and Verify
Funds are credited either instantly (IMPS), in near real-time (RTGS), or within a few hours (NEFT), depending on the chosen service.
What happens when you use the wrong IFSC code?
Errors may occur, but this is what you need to know:
- Invalid IFSC Code: The transfer is auto-rejected by most banking systems; your money stays in your account.
- Wrong Branch, Right Account: In some cases, the transfer is successful when the account number is correct, but reconciliation might be a problem, and mistakes might arise.
- Incorrect IFSC, Incorrect Account Number: Money can go to the wrong account and it can only be returned with the help of the bank.
Tip: Never make any electronic transaction without checking the account number and IFSC code twice.
What is New in 2025: Changes and Updates?
In line with the RBI guidelines, the Central Bank of India has implemented a number of technological upgrades in 2025:
- Dynamic IFSC Lookup in Banking Apps: New apps validate branch codes and auto fill IFSC values.
- QR Code Integration: Scanning a branch QR at the premises or by using digital business cards will retrieve the right IFSC in real-time.
- Voice/Chat Support: Chatbots in official banking apps with AI enable you to find IFSC codes through simple queries.
- Simplified KYC Verification: Government welfare schemes have new portals that pre-fill IFSC codes depending on your location.
Central Bank of India IFSC Code List: Key Cities & Branches
The table below lists sample IFSC codes for key branches (as of early 2025):
| City | Branch | IFSC Code |
|---|---|---|
| Mumbai | Bombay Main Office | CBIN0280700 |
| New Delhi | Connaught Place | CBIN0280319 |
| Kolkata | Brabourne Road | CBIN0280101 |
| Bengaluru | MG Road | CBIN0281065 |
| Chennai | Mount Road | CBIN0280849 |
| Ahmedabad | Ashram Road | CBIN0281061 |
| Hyderabad | Nampally | CBIN0280956 |
| Pune | Camp | CBIN0280750 |
| Lucknow | Hazratganj | CBIN0281043 |
| Jaipur | MI Road | CBIN0281083 |
Always use the official Central Bank of India branch locator to obtain the IFSC of your specific branch.
FAQs on Central Bank of India IFSC Code
- IFSC: Used for electronic funds transfers (NEFT/RTGS/IMPS)
- MICR: Magnetic Ink Character Recognition code; cheque processing.
You will find both printed on your chequebook.
Is it possible that I can use the same IFSC in all the branches of Central Bank of India?
No. Every branch has a different IFSC code.
Do UPI transactions need the IFSC code?
In most cases, no. UPI needs your mobile number, UPI ID, or QR. However, in the case of your first-time account linking or in case of larger merchant transactions, IFSC can be required.
My branch was merged/shifted. Has IFSC changed?
Probably, yes- the IFSC code can be changed after mergers or relocation of branches. After such changes, always check with your branch or the official site.
Is there a fee to offer an IFSC code?
No. You do not incur any charges by sharing your IFSC code. But the transfer of funds is determined by your bank in terms of transaction fees.
Safety Tips on Using Central Bank of India IFSC Code
- Always Double-check: Use official sources (bank website, RBI) to verify.
- In the case of Bulk Payments: Download new IFSC lists in case of payrolls, vendor payments and settlements of businesses.
- Maintain Personal Records: In case of merging of your branch, update all payment mandates or linked services.
Central Bank of India IFSC Lookup vs Other Banks
| Central Bank of India | State Bank of India | HDFC Bank | ICICI Bank | |
|---|---|---|---|---|
| Mobile App Finder | Yes | Yes | Yes | Yes |
| Branch Locator Online | Yes | Yes | Yes | Yes |
| QR Code Access | Yes (2025 upgrade) | Limited | Yes | Yes |
| Chatbot Assistance | Yes (in-app) | Yes | Yes | Yes |
| Real-time Validation | Yes (in-app) | Yes | Yes | Yes |
The IFSC entry process is identical across banks in most transactions on online marketplaces in 2025, but more efficient with the digital-first services of Central Bank of India.
Real-World Experience: Why the Correct IFSC is Key
As an accounts manager in charge of frequent online settlements with vendors, I once entered the wrong IFSC code and this resulted in a delayed salary payment of one of my colleagues. The money was returned, but it was an unnecessary stress and delay in the process. I now cross-check the IFSC- either on the official app, branch locator, or the latest chequebook before any bulk transfer. It is a small habit, but it saves unnecessary financial pains.
TLDR / Short Summary
- All Central Bank of India electronic fund transfers in 2025 require IFSC code.
- It is unique to every branch; look on your chequebook, passbook or the official bank web site.
- Required in NEFT, RTGS, IMPS, merchant payments, and payment receipt through digital methods.
- The sites of RBI and Central Bank of India can be trusted in IFSC search.
- New tech (QR/search/chatbots) makes finding your IFSC easier in 2025.
- Check twice to avoid delays or wrongly channeled funds.
People Also Ask (FAQs)
Q. What happens when my Central Bank of India IFSC code is not working?
A. Make sure that there are no new mergers or changes in the branches. Check the new code with your branch or on the official site.
Q. Is it possible to misuse my IFSC code?
A. No. The IFSC code is itself used only to send you money or to connect to transactions. It is not misuseable by itself.
Q. What is the frequency of IFSC code change in Central Bank of India?
A. Infrequently, usually when there is a branch merger, closure, or RBI regulation alteration.
Q. Does IFSC code have an official app?
A. Yes. The mobile banking application provided by the Central Bank of India has a current IFSC locator of all the branches.
Q. Is it possible to send money abroad with the help of an IFSC code?
A. No. IFSC is applied to the domestic transfer in India. SWIFT/BIC codes should be used in the case of international transfers.
