IFSC Code of Citizen Credit Cooperative Bank Limited, Porvorim Branch, Goa

If you are searching for the IFSC code of Citizen Credit Cooperative Bank Limited, PORVORIM branch in GOA, GOA, this page has every detail you need. The verified IFSC code for this branch is CCBL0GOA003. 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 PORVORIM branch, and detailed step-by-step guides for using the IFSC CCBL0GOA003 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 Citizen Credit Cooperative Bank Limited – PORVORIM is CCBL0GOA003. The first four letters CCBL are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GOA003 map to this branch in GOA, GOA.

Branch details at a glance

Bank profile

Citizen Credit Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Porvorim branch — IFSC CCBL0GOA003 — extends the bank's services to customers in and around Goa, Goa.

About this branch

The branch is located at PLOT NO 158,SURVEY NO 125/2,PENHA-DE-FRANCA,PORVORIM,BARDEZ,GOA 403521. It serves the Goa region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Citizen Credit Cooperative Bank Limited. The IFSC CCBL0GOA003 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 Citizen Credit Cooperative Bank Limited's PORVORIM branch came to be assigned the code CCBL0GOA003.

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 CCBL0GOA003, money simply cannot be routed to the PORVORIM branch electronically.

How to transfer money using IFSC CCBL0GOA003

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 CCBL0GOA003 across all three.

How to use IFSC CCBL0GOA003 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Citizen Credit Cooperative Bank Limited's PORVORIM branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC CCBL0GOA003.
4. Confirm the bank name auto-populates as Citizen Credit Cooperative Bank Limited and the branch as PORVORIM.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC CCBL0GOA003

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 Citizen Credit Cooperative Bank Limited – PORVORIM, ensure your bank's portal accepts IFSC CCBL0GOA003 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Citizen Credit Cooperative Bank Limited – PORVORIM, use IMPS. With IFSC CCBL0GOA003 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 CCBL0GOA003 for Citizen Credit Cooperative Bank Limited – PORVORIM, 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 Porvorim 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 CCBL0GOA003

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 Citizen Credit Cooperative Bank Limited – PORVORIM is still mapped to IFSC CCBL0GOA003. 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 CCBL0GOA003 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Porvorim branch is mapped to IFSC CCBL0GOA003 on the RBI payments network. The branch generally supports the full retail product catalogue of Citizen Credit Cooperative Bank Limited, 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 CCBL0GOA003.

Banking services available

The Porvorim branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8322412379.

• 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 CCBL0GOA003

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Citizen Credit Cooperative Bank Limited carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC CCBL0GOA003 and the account number together uniquely identify the Porvorim branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC CCBL0GOA003

Citizen Credit Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PORVORIM 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 CCBL0GOA003 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.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Citizen Credit Cooperative Bank Limited – PORVORIM:

• The IFSC is exactly CCBL0GOA003 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Citizen Credit Cooperative Bank Limited as the bank name and PORVORIM as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

Reaching the branch

The Porvorim branch sits at PLOT NO 158,SURVEY NO 125/2,PENHA-DE-FRANCA,PORVORIM,BARDEZ,GOA 403521. If you are travelling from outside Goa, search for the branch on a maps application using the bank name and locality, or call 8322412379 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 CCBL0GOA003 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CCBL0GOA003 for Citizen Credit Cooperative Bank Limited – PORVORIM, 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 Porvorim branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CCBL0GOA003, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CCBL0GOA003 belongs to Citizen Credit Cooperative Bank Limited's PORVORIM branch, located at PLOT NO 158,SURVEY NO 125/2,PENHA-DE-FRANCA,PORVORIM,BARDEZ,GOA 403521 in GOA, GOA. 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.