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

Use this page as a one-stop reference for everything related to Citizen Credit Cooperative Bank Limited's PANAJI branch in PANAJI, GOA. The branch's IFSC code CCBL0GOA007 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 PANAJI branch, the IFSC CCBL0GOA007 breaks down as follows: CCBL identifies the bank, 0 is the reserved character, and GOA007 identifies this particular branch.

About Citizen Credit Cooperative Bank Limited

Citizen Credit Cooperative Bank Limited operates a wide network of branches across India, including the Panaji branch in Panaji. 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, CCBL0GOA007.

About the Panaji branch

The Panaji branch of Citizen Credit Cooperative Bank Limited is situated at H NO E-320 RUA DE OUAREM, PATTO, PANAJI, GOA 403001. 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 CCBL0GOA007 is used.

Branch details at a glance

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 PANAJI branch came to be assigned the code CCBL0GOA007.

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 CCBL0GOA007, money simply cannot be routed to the PANAJI branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Panaji branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC CCBL0GOA007 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 CCBL0GOA007

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 CCBL0GOA007 across all three.

How to use IFSC CCBL0GOA007 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 PANAJI 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 CCBL0GOA007.
4. Confirm the bank name auto-populates as Citizen Credit Cooperative Bank Limited and the branch as PANAJI.
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 PANAJI

If you need to transfer ₹2 lakh or more in one go to an account at Citizen Credit Cooperative Bank Limited's PANAJI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC CCBL0GOA007 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 – PANAJI, use IMPS. With IFSC CCBL0GOA007 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 CCBL0GOA007 for Citizen Credit Cooperative Bank Limited – PANAJI, 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 Panaji 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 CCBL0GOA007

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 – PANAJI is still mapped to IFSC CCBL0GOA007. 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 CCBL0GOA007 and the beneficiary's account number to complete the transfer.

Account types you can open at the Panaji branch

Once you have an account at Citizen Credit Cooperative Bank Limited – PANAJI, the IFSC CCBL0GOA007 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.

Products and services

Customers walking into the Panaji 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 CCBL0GOA007

Online banking and IFSC CCBL0GOA007

Citizen Credit Cooperative Bank Limited customers can register for net banking and the bank's official mobile app once their account at the PANAJI 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 CCBL0GOA007 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.

Reaching the branch

The Panaji branch sits at H NO E-320 RUA DE OUAREM, PATTO, PANAJI, GOA 403001. If you are travelling from outside Panaji, search for the branch on a maps application using the bank name and locality, or call 91-8956090621 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 CCBL0GOA007 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 – PANAJI:

• The IFSC is exactly CCBL0GOA007 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 PANAJI 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 Panaji 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 CCBL0GOA007 continue to work without interruption.

Verifying IFSC CCBL0GOA007 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 CCBL0GOA007 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 91-8956090621.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code CCBL0GOA007 belongs to Citizen Credit Cooperative Bank Limited's PANAJI branch, located at H NO E-320 RUA DE OUAREM, PATTO, PANAJI, GOA 403001 in PANAJI, 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.