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

Use this page as a one-stop reference for everything related to Citizen Credit Cooperative Bank Limited's GOREGAON branch in MUMBAI, MAHARASHTRA. The branch's IFSC code CCBL0209030 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 GOREGAON branch, the IFSC CCBL0209030 breaks down as follows: CCBL identifies the bank, 0 is the reserved character, and 209030 identifies this particular branch.

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 Goregaon branch in Mumbai, Maharashtra is part of this network and uses the IFSC code CCBL0209030 for all electronic settlement.

Branch details at a glance

Goregaon branch overview

Located at SHOP NO.1, CHAITANYA RESIDENCY, NEAR SBI, CTS NO.380, ROAD NO.2, JAY PRAKASH NAGAR, GOREGAON EAST, MUMBAI 400063, the Goregaon branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC CCBL0209030 is required for all interbank electronic transfers routed through this branch.

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 GOREGAON of Citizen Credit Cooperative Bank Limited — its own 11-character IFSC. The code CCBL0209030 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 CCBL0209030 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Goregaon branch is mapped to IFSC CCBL0209030 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 CCBL0209030.

Products and services

Customers walking into the Goregaon branch can access most of Citizen Credit Cooperative Bank Limited's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC CCBL0209030

How to transfer money using IFSC CCBL0209030

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 CCBL0209030 across all three.

NEFT to Citizen Credit Cooperative Bank Limited, GOREGAON using IFSC CCBL0209030

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 CCBL0209030, and confirm that the system picks up Citizen Credit Cooperative Bank Limited – GOREGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to GOREGAON

If you need to transfer ₹2 lakh or more in one go to an account at Citizen Credit Cooperative Bank Limited's GOREGAON branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CCBL0209030 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 – GOREGAON, use IMPS. With IFSC CCBL0209030 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 Goregaon

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 CCBL0209030:

• 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 GOREGAON is still linked to IFSC CCBL0209030.

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 GOREGAON branch, the IFSC CCBL0209030 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.

Digital banking channels

Most day-to-day work that customers used to do at the Goregaon 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 CCBL0209030 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.

MICR & cheque-truncation details

Cheques drawn on the Goregaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CCBL0209030 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC CCBL0209030

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Citizen Credit Cooperative Bank Limited – GOREGAON, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: CCBL0209030.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Goregaon branch sits at SHOP NO.1, CHAITANYA RESIDENCY, NEAR SBI, CTS NO.380, ROAD NO.2, JAY PRAKASH NAGAR, GOREGAON EAST, MUMBAI 400063. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 29275801 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 CCBL0209030 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC CCBL0209030 for Citizen Credit Cooperative Bank Limited – GOREGAON, 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 Goregaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC CCBL0209030, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: CCBL0209030 is the IFSC code of Citizen Credit Cooperative Bank Limited, GOREGAON 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.