IFSC Code of Citizen Credit Cooperative Bank Limited, Vasco Da Gama Branch, Goa

Below are the complete branch details for Citizen Credit Cooperative Bank Limited, VASCO DA GAMA branch, located in GOA, GOA. The IFSC assigned by the Reserve Bank of India to this branch is CCBL0GOA004. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case CCBL0GOA004 for Citizen Credit Cooperative Bank Limited – VASCO DA GAMA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, CCBL0GOA004 is the IFSC of Citizen Credit Cooperative Bank Limited's VASCO DA GAMA branch. The format is fixed: CCBL = bank code, 0 = reserved, GOA004 = branch identifier.

About the bank

Citizen Credit Cooperative Bank Limited serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vasco Da Gama branch in Goa, Goa is part of this network and uses the IFSC code CCBL0GOA004 for all electronic settlement.

Branch details at a glance

Vasco Da Gama branch overview

Located at SHOP NO.1 & 16 SAPANA TERRACE CHSL,SWATANTRA PATH,VASCO DA GAMA- 403802, the Vasco Da Gama branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CCBL0GOA004 is required for all interbank electronic transfers routed through this branch.

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 VASCO DA GAMA branch came to be assigned the code CCBL0GOA004.

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 CCBL0GOA004, money simply cannot be routed to the VASCO DA GAMA branch electronically.

Account types you can open at the Vasco Da Gama branch

Once you have an account at Citizen Credit Cooperative Bank Limited – VASCO DA GAMA, the IFSC CCBL0GOA004 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Vasco Da Gama branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8322501870.

• 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 CCBL0GOA004

How to transfer money using IFSC CCBL0GOA004

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 CCBL0GOA004 across all three.

How to use IFSC CCBL0GOA004 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 VASCO DA GAMA 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 CCBL0GOA004.
4. Confirm the bank name auto-populates as Citizen Credit Cooperative Bank Limited and the branch as VASCO DA GAMA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to VASCO DA GAMA

If you need to transfer ₹2 lakh or more in one go to an account at Citizen Credit Cooperative Bank Limited's VASCO DA GAMA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CCBL0GOA004 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Citizen Credit Cooperative Bank Limited – VASCO DA GAMA, use IMPS. With IFSC CCBL0GOA004 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 CCBL0GOA004 for Citizen Credit Cooperative Bank Limited – VASCO DA GAMA, 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 Vasco Da Gama 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Citizen Credit Cooperative Bank Limited's VASCO DA GAMA branch, the IFSC CCBL0GOA004 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Online banking and IFSC CCBL0GOA004

Citizen Credit Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the VASCO DA GAMA 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 CCBL0GOA004 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.

MICR & cheque-truncation details

Cheques drawn on the Vasco Da Gama branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CCBL0GOA004 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – VASCO DA GAMA:

• The IFSC is exactly CCBL0GOA004 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 VASCO DA GAMA 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.

How to reach the Vasco Da Gama branch

The branch is located at SHOP NO.1 & 16 SAPANA TERRACE CHSL,SWATANTRA PATH,VASCO DA GAMA- 403802, which puts it inside Goa, the broader Goa district, and the state of Goa. To plan your visit:

1. Open Google Maps on your phone and search for “Citizen Credit Cooperative Bank Limited Vasco Da Gama branch” — the verified location pin for IFSC CCBL0GOA004 should appear at the top of the results.
2. Confirm the branch is open by calling 8322501870 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 CCBL0GOA004 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CCBL0GOA004 for Citizen Credit Cooperative Bank Limited – VASCO DA GAMA, 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.

Working hours

Branch counters at Vasco Da Gama are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to CCBL0GOA004 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CCBL0GOA004 belongs to Citizen Credit Cooperative Bank Limited's VASCO DA GAMA branch, located at SHOP NO.1 & 16 SAPANA TERRACE CHSL,SWATANTRA PATH,VASCO DA GAMA- 403802 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.