IFSC Code of HDFC Bank, The Goa Urban Co Op Bank Ltd Branch, Goa

This page lists the IFSC code, branch address, contact number and fund-transfer information for HDFC Bank, THE GOA URBAN CO OP BANK LTD branch in PANAJI. The 11-digit IFSC HDFC0CGUB06 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 HDFC Bank at the THE GOA URBAN CO OP BANK LTD 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 HDFC Bank's THE GOA URBAN CO OP BANK LTD branch, the IFSC HDFC0CGUB06 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CGUB06 identifies this particular branch.

About HDFC Bank

HDFC Bank operates a wide network of branches across India, including the The Goa Urban Co Op Bank Ltd 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, HDFC0CGUB06.

About the The Goa Urban Co Op Bank Ltd branch

The The Goa Urban Co Op Bank Ltd branch of HDFC Bank is situated at POOJA BUILDING, NEXT TO DHEMPE COLLEGE, MIRAMAR GOA.. 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 HDFC0CGUB06 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 HDFC Bank's THE GOA URBAN CO OP BANK LTD branch came to be assigned the code HDFC0CGUB06.

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 HDFC0CGUB06, money simply cannot be routed to the THE GOA URBAN CO OP BANK LTD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the The Goa Urban Co Op Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC HDFC0CGUB06 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 HDFC0CGUB06

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 HDFC0CGUB06 across all three.

NEFT to HDFC Bank, THE GOA URBAN CO OP BANK LTD using IFSC HDFC0CGUB06

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 HDFC0CGUB06, and confirm that the system picks up HDFC Bank – THE GOA URBAN CO OP BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC HDFC0CGUB06

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 HDFC Bank – THE GOA URBAN CO OP BANK LTD, ensure your bank's portal accepts IFSC HDFC0CGUB06 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to HDFC Bank – THE GOA URBAN CO OP BANK LTD, use IMPS. With IFSC HDFC0CGUB06 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 HDFC0CGUB06 for HDFC Bank – THE GOA URBAN CO OP BANK LTD, 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 The Goa Urban Co Op Bank Ltd 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.

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 HDFC Bank's THE GOA URBAN CO OP BANK LTD branch, the IFSC HDFC0CGUB06 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 The Goa Urban Co Op Bank Ltd branch

Once you have an account at HDFC Bank – THE GOA URBAN CO OP BANK LTD, the IFSC HDFC0CGUB06 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 The Goa Urban Co Op Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 832-2464191.

• 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 HDFC0CGUB06

Digital banking channels

Most day-to-day work that customers used to do at the The Goa Urban Co Op Bank Ltd 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 HDFC0CGUB06 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 The Goa Urban Co Op Bank Ltd branch sits at POOJA BUILDING, NEXT TO DHEMPE COLLEGE, MIRAMAR GOA.. If you are travelling from outside Panaji, search for the branch on a maps application using the bank name and locality, or call 832-2464191 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 HDFC0CGUB06 and your account number.

Common mistakes to avoid when using IFSC HDFC0CGUB06

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 HDFC Bank – THE GOA URBAN CO OP BANK LTD, 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: HDFC0CGUB06.
• 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.

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 The Goa Urban Co Op Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC HDFC0CGUB06, however, work 24x7.

Verifying IFSC HDFC0CGUB06 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 HDFC0CGUB06 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 832-2464191.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: HDFC0CGUB06 is the IFSC code of HDFC Bank, THE GOA URBAN CO OP BANK LTD branch, in PANAJI, GOA. 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.