In this article, you are going to learn everything about CIF no. like, what is CIF number meaning, the full form of CIF number in the bank, how to find CIF in various banks expects SBI, SBBJ, SBH, Indian bank and CBI (Central Bank of India).
While banking, you may be heard the word CIF many times but doesn’t know the exact meaning? Don’t worry this post is all about this unique word. So let’s get started learning it briefly.
What is CIF number full form and meaning in a bank?
CIF stands for Customer Information File. Thus means CIF number full form is Customer Information File Number. Various banks like CBI, SBI, SBH, Indian bank etc. assigned this unique virtual information file to every account holder as a key identification number to collect and save every customer’s data like personal and financial information in a virtual text file.
CIF’s most important job is to serve as a central point so that the bank can competently scrutinize customer data without having to look into each and every account held by them or every transaction made by them individually.
In simple words, CIF consists of the information of the account holder like Name, Address, Occupation, Bank account statements history etc.
Before it was possible to have each CIF no. for your every account in a respective bank but now as per RBI guidelines, you can have only one CIF number even with multiple accounts. Thus all your accounts can be accessed by a single code.
Customer information file carries the following data of a bank account holder:
- It stores your financial activities on a daily basis
- It is used by the bank for marketing purpose also, so they can offer promotional offers and plans to their customers
- It is digitally stored in the bank database in which
- the account you are holding
- It helps the bank to view all your accounts’ information easily in one place
- It carries your Demat related information
- It stores all of your KYC details
- It stores all loan history
This helps in increasing your TRV (full form Total Relationship Value) or CRV (full form Customer Relationship Value) which is used by some Banks to decide how much minimum balance you can maintain, or how much credit can be given to you. You can find it on your bank Passbook, through Net banking or Mobile Banking.
CIF Number is just like Aadhar Card Number. As we use Aadhar card as a unique identity, CIF code is also used as a unique code to identify the banking information of a particular customer.
Every bank in India comes with its own customer information file numbering system. So they can control their customers account easily. Below you can see the CIF nos. list formats of India:
- SBI has 11-digit
- HDFC has 8-digit
- Central Bank of India has 10-digit
- Axis Bank has 4-digit
How to find CIF number in your SBI bank account?
There are different ways to know CIF number in banking. Because every bank has a different system for customer information. Taking the example of State Bank of India (SBI). Here are some easy tips to find out your SBI CIF code mentioned below.
Method 1: Find CIF code using internet banking
Internet banking is the most used method to know SBI CIF number. For that purpose, you must have net banking facility.
If not, you can access our depth guide to activate your net banking in State Bank of India.
Once you activated, let’s start the method to find SBI CIF number online using State Bank of India Internet banking facility.
Step #1: Go to SBI login page and sign in with your username and password using PC or mobile browser.
Step #2: Once logged in, click on Nomination View then PAN Details.
Step 3: Here, you can see your CIF Number along with your other account details.
In this way, you can find your SBI CIF number online through net banking facility
Methods 2: Using State Bank Anywhere App
SBI Anywhere app is the best mobile banking app developed by State Bank of India. To use this app you must have activated SBI net banking service, if you didn’t yet, register now.
Once you have Internet banking facility, click below button to download SBI anywhere app for your Android, ISO & Windows phone.
Now let me assume you have already downloaded and installed the app on your phone to proceed further.
Step 1: Open Anywhere App and login with SBI net banking username and password.
Step 2: Now tap on Services then Online Nomination.
Step 3: Now select Transaction Account and your Account Number.
Here, is your SBI CIF number printed along with other account details like IFSC code, name, address etc.
Method 3: Using Passbook [Offline Methhod]
Every account holder having a Passbook, whenever he/she opens an account in SBI bank. It a type of book, where all the essential information about the customer’s account and balance statements recorded.
If you have an account in State Bank of India bank then they have provided you with a passbook. Below is the screenshot of my Passbook that looks like:
So, in order to know your SBI CIF number from Passbook, just open it and you can know your CIF number printed on the first page of Passbook along with other account details. Here is the screenshot marked with a box.
Method 4: Find SBI CIF number through Cheque Book
Another easy method to find SBI CIF number without passbook is through bank chequebook.
A cheque is a document that orders a bank to pay a specific amount of money from a person’s account to the person in whose name the cheque has been issued.
Method 5: Get it by visiting your bank branch [Offline Methhod]
You can also get SBI CIF number by visiting your home branch. This is one of the best offline methods
In this method, you only need bring your Passbook to provide your account details to the bank employee for account confirmation. Once the employee identity your identity will provide your CIF immediately.
Method 6: View in E-statement
If you don’t have net banking facility but your email address is registered with your SBU account then you can request for e-statement using SMS. So there you can find your CIF number also.
You just need to send an SMS from your registered mobile number to receive e-statement. For additional information, read below step by step guide:
- How to get last 6-month e-statement through SMS
After receiving e-Statement just open PDF file got into your registered email ID. where you can view your CIF number.
Method #7: Get SBI CIF Number by sms
Some account holder finding the way to know CIF number of SBI by sending SMS to customer care. But, I am sorry to say, there is on any services to find CIF code through sms.
CIF Number FAQ: Frequently Asked Questions and Answers
1: What is CIF Number?
Ans: CIF Number stands for Customer Information Number. This is a unique computerised file to keep user data in one place. It holds all the personal & important account related information of the customers that helps bank employees to make their job easier.
2: What is the full Form Of CIF Number?
Ans: Full form of CIF number is Customer Information File. You can read about here.
3: Is it safe to share your CIF code with anyone?
Ans: Yes, for the purpose of genuine banking you can share your CIF code with anyone. Since there are more confidential pieces of information that you have never share with someone.
- Debit card number
- Pan card number registered with the bank.
- Mobile number registered with your debit card
- Debit card PIN number
- Debit card CVV number
- OTP number generated during the online transaction
4: Is a CIF number confidential?
Ans: Yes, it is for the purpose of accessing your all account by the bank.
5: Is A CIF No is the same as the account number?
Ans: No it’s not, CIF helps the bank to keep all the records of a customer in an easily-compilable format. While an account number provides the information of a single account.
6: Can two saving bank accounts can be open under the same CIF no?
Ans: Yes, you can link all bank accounts to one CIF number.
7: How to transfer my CIF number in SBI?
Ans: You will have to visit the branch where your CIF is present and ask them to transfer the CIF to your home branch. They may ask for a written application. So, it would be better to go with a written application. The whole process takes less than 5 minutes.
8: Why does CIF change when bank account transfer to another branch?
Ans: It depends on the core banking system of the new branch. (Here Core Banking full form is Centralized Online Real-time Exchange). Because of the process led down by the bank system, which may be the carryover of the legacy manual system, CIF (Customer Identification Number) may be changed frequently.