IFSC Code of Citizen Credit Cooperative Bank Limited, Four Bungalow Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Citizen Credit Cooperative Bank Limited, FOUR BUNGALOW branch in MUMBAI. The 11-digit IFSC CCBL0209031 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 Citizen Credit Cooperative Bank Limited at the FOUR BUNGALOW 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Citizen Credit Cooperative Bank Limited's FOUR BUNGALOW branch, the IFSC CCBL0209031 breaks down as follows: CCBL identifies the bank, 0 is the reserved character, and 209031 identifies this particular branch.

Branch details at a glance

About Citizen Credit Cooperative Bank Limited

Citizen Credit Cooperative Bank Limited operates a wide network of branches across India, including the Four Bungalow branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, CCBL0209031.

About the Four Bungalow branch

The Four Bungalow branch of Citizen Credit Cooperative Bank Limited is situated at SHOP NO.3, RAMESHWAR DARSHAN CHSL, N DUTTA MARG, FOUR BUNGALOWS, ANDHERI WEST, MUMBAI 400053. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code CCBL0209031 is used.

Why every Citizen Credit Cooperative Bank Limited branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including FOUR BUNGALOW of Citizen Credit Cooperative Bank Limited — its own 11-character IFSC. The code CCBL0209031 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC CCBL0209031 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC CCBL0209031

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 CCBL0209031 across all three.

NEFT to Citizen Credit Cooperative Bank Limited, FOUR BUNGALOW using IFSC CCBL0209031

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 CCBL0209031, and confirm that the system picks up Citizen Credit Cooperative Bank Limited – FOUR BUNGALOW. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to FOUR BUNGALOW

If you need to transfer ₹2 lakh or more in one go to an account at Citizen Credit Cooperative Bank Limited's FOUR BUNGALOW branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CCBL0209031 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 – FOUR BUNGALOW, use IMPS. With IFSC CCBL0209031 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Four Bungalow

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC CCBL0209031:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at FOUR BUNGALOW is still linked to IFSC CCBL0209031.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC CCBL0209031

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 – FOUR BUNGALOW is still mapped to IFSC CCBL0209031. 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 CCBL0209031 and the beneficiary's account number to complete the transfer.

Account types you can open at the Four Bungalow branch

Once you have an account at Citizen Credit Cooperative Bank Limited – FOUR BUNGALOW, the IFSC CCBL0209031 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 Four Bungalow branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 26374415.

• 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 CCBL0209031

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 CCBL0209031 and the account number together uniquely identify the Four Bungalow branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC CCBL0209031

Citizen Credit Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the FOUR BUNGALOW 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 CCBL0209031 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 – FOUR BUNGALOW:

• The IFSC is exactly CCBL0209031 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 FOUR BUNGALOW 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 Four Bungalow branch sits at SHOP NO.3, RAMESHWAR DARSHAN CHSL, N DUTTA MARG, FOUR BUNGALOWS, ANDHERI WEST, MUMBAI 400053. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 26374415 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 CCBL0209031 and your account number.

Verifying IFSC CCBL0209031 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm CCBL0209031 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 26374415.
• Visiting the bank's official branch locator page.

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 Four Bungalow branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CCBL0209031, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CCBL0209031 is the IFSC code of Citizen Credit Cooperative Bank Limited, FOUR BUNGALOW branch, in MUMBAI, MAHARASHTRA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.