IFSC Code of Citizen Credit Cooperative Bank Limited, Gorai Branch Branch, Maharashtra

If you are searching for the IFSC code of Citizen Credit Cooperative Bank Limited, GORAI BRANCH branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is CCBL0209008. 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 GORAI BRANCH branch, and detailed step-by-step guides for using the IFSC CCBL0209008 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.

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, CCBL0209008 is the IFSC of Citizen Credit Cooperative Bank Limited's GORAI BRANCH branch. The format is fixed: CCBL = bank code, 0 = reserved, 209008 = branch identifier.

Bank profile

Citizen Credit Cooperative Bank Limited is among the recognised banks listed on the Reserve Bank of India's payments network. The Gorai Branch branch — IFSC CCBL0209008 — extends the bank's services to customers in and around Mumbai, Maharashtra.

About this branch

The branch is located at CHURCH ROAD , GORAI , BORIVALI P. O. MUMBAI 400091. It serves the Mumbai 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 CCBL0209008 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 GORAI BRANCH of Citizen Credit Cooperative Bank Limited — its own 11-character IFSC. The code CCBL0209008 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 CCBL0209008 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Gorai Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CCBL0209008 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC CCBL0209008

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 CCBL0209008 across all three.

NEFT to Citizen Credit Cooperative Bank Limited, GORAI BRANCH using IFSC CCBL0209008

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 CCBL0209008, and confirm that the system picks up Citizen Credit Cooperative Bank Limited – GORAI BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC CCBL0209008

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 – GORAI BRANCH, ensure your bank's portal accepts IFSC CCBL0209008 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 – GORAI BRANCH, use IMPS. With IFSC CCBL0209008 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 Gorai Branch

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 CCBL0209008:

• 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 GORAI BRANCH is still linked to IFSC CCBL0209008.

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.

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 GORAI BRANCH branch, the IFSC CCBL0209008 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.

Account types you can open at the Gorai Branch branch

Once you have an account at Citizen Credit Cooperative Bank Limited – GORAI BRANCH, the IFSC CCBL0209008 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 Gorai Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 28452650.

• 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 CCBL0209008

Digital banking channels

Most day-to-day work that customers used to do at the Gorai Branch branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC CCBL0209008 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Gorai Branch branch sits at CHURCH ROAD , GORAI , BORIVALI P. O. MUMBAI 400091. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 28452650 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 CCBL0209008 and your account number.

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 – GORAI BRANCH:

• The IFSC is exactly CCBL0209008 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 GORAI BRANCH 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.

Working hours

Branch counters at Gorai Branch 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 CCBL0209008 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CCBL0209008 for Citizen Credit Cooperative Bank Limited – GORAI BRANCH, 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 address & contact

Frequently asked questions

Summary

The IFSC code CCBL0209008 belongs to Citizen Credit Cooperative Bank Limited's GORAI BRANCH branch, located at CHURCH ROAD , GORAI , BORIVALI P. O. MUMBAI 400091 in MUMBAI, MAHARASHTRA. 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.