IFSC Code of FINO Payments Bank, Vehla Goa S O Branch, Goa

Use this page as a one-stop reference for everything related to FINO Payments Bank's VEHLA GOA S O branch in NORTH GOA, GOA. The branch's IFSC code FINO0001551 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 FINO Payments Bank's VEHLA GOA S O branch, the IFSC FINO0001551 breaks down as follows: FINO identifies the bank, 0 is the reserved character, and 001551 identifies this particular branch.

Branch details at a glance

Bank profile

FINO Payments Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Vehla Goa S O branch — IFSC FINO0001551 — extends the bank's services to customers in and around North Goa, Goa.

About the Vehla Goa S O branch

The Vehla Goa S O branch of FINO Payments Bank is situated at 407,4TH FLOOR CITY CENTRE 1 PATTO PLAZA, PAJIM GOA BEHIND PANJIM BUSSTAND 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 FINO0001551 is used.

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 FINO Payments Bank's VEHLA GOA S O branch came to be assigned the code FINO0001551.

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 FINO0001551, money simply cannot be routed to the VEHLA GOA S O branch electronically.

How to transfer money using IFSC FINO0001551

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 FINO0001551 across all three.

How to use IFSC FINO0001551 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to FINO Payments Bank's VEHLA GOA S O 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 FINO0001551.
4. Confirm the bank name auto-populates as FINO Payments Bank and the branch as VEHLA GOA S O.
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 VEHLA GOA S O

If you need to transfer ₹2 lakh or more in one go to an account at FINO Payments Bank's VEHLA GOA S O branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC FINO0001551 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to FINO Payments Bank – VEHLA GOA S O, use IMPS. With IFSC FINO0001551 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 Vehla Goa S O

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 FINO0001551:

• 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 VEHLA GOA S O is still linked to IFSC FINO0001551.

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 FINO Payments Bank's VEHLA GOA S O branch, the IFSC FINO0001551 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.

Products and account variants supported

Every account opened at the Vehla Goa S O branch is mapped to IFSC FINO0001551 on the RBI payments network. The branch generally supports the full retail product catalogue of FINO Payments Bank, 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 FINO0001551.

Banking services available

The Vehla Goa S O branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8830025445.

• 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 FINO0001551

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by FINO Payments Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC FINO0001551 and the account number together uniquely identify the Vehla Goa S O branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC FINO0001551

FINO Payments Bank customers can register for net banking and the bank's official mobile app once their account at the VEHLA GOA S O 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 FINO0001551 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.

Common mistakes to avoid when using IFSC FINO0001551

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 FINO Payments Bank – VEHLA GOA S O, 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: FINO0001551.
• 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.

How to reach the Vehla Goa S O branch

The branch is located at 407,4TH FLOOR CITY CENTRE 1 PATTO PLAZA, PAJIM GOA BEHIND PANJIM BUSSTAND GOA-403001., which puts it inside North Goa, the broader North Goa district, and the state of Goa. To plan your visit:

1. Open Google Maps on your phone and search for “FINO Payments Bank Vehla Goa S O branch” — the verified location pin for IFSC FINO0001551 should appear at the top of the results.
2. Confirm the branch is open by calling 8830025445 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 FINO0001551 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC FINO0001551 for FINO Payments Bank – VEHLA GOA S O, 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 Vehla Goa S O 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 FINO0001551 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code FINO0001551 belongs to FINO Payments Bank's VEHLA GOA S O branch, located at 407,4TH FLOOR CITY CENTRE 1 PATTO PLAZA, PAJIM GOA BEHIND PANJIM BUSSTAND… in NORTH 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.