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

Below are the complete branch details for HDFC Bank, THE GOA URBAN CO OP BANK LTD branch, located in PANAJI, GOA. The IFSC assigned by the Reserve Bank of India to this branch is HDFC0CGUB13. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case HDFC0CGUB13 for HDFC Bank – THE GOA URBAN CO OP BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 HDFC0CGUB13 breaks down as follows: HDFC identifies the bank, 0 is the reserved character, and CGUB13 identifies this particular branch.

Branch details at a glance

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, HDFC0CGUB13.

The Goa Urban Co Op Bank Ltd branch overview

Located at CHURCH BUILDING,CAVELOSSIM,SALCETE-GOA., the The Goa Urban Co Op Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC HDFC0CGUB13 is required for all interbank electronic transfers routed through this branch.

Why every HDFC Bank 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 THE GOA URBAN CO OP BANK LTD of HDFC Bank — its own 11-character IFSC. The code HDFC0CGUB13 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 HDFC0CGUB13 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC HDFC0CGUB13

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 HDFC0CGUB13 across all three.

How to use IFSC HDFC0CGUB13 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to HDFC Bank's THE GOA URBAN CO OP BANK LTD 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 HDFC0CGUB13.
4. Confirm the bank name auto-populates as HDFC Bank and the branch as THE GOA URBAN CO OP BANK LTD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC HDFC0CGUB13

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 HDFC0CGUB13 while registering the beneficiary. RTGS is also available 24x7.

IMPS to HDFC Bank THE GOA URBAN CO OP BANK LTD (IFSC HDFC0CGUB13)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC HDFC0CGUB13 in your mobile or internet banking app, and the money is credited to the THE GOA URBAN CO OP BANK LTD branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC HDFC0CGUB13 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 HDFC0CGUB13 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 The Goa Urban Co Op Bank Ltd branch is mapped to IFSC HDFC0CGUB13 on the RBI payments network. The branch generally supports the full retail product catalogue of HDFC 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 HDFC0CGUB13.

Products and services

Customers walking into the The Goa Urban Co Op Bank Ltd branch can access most of HDFC Bank'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 HDFC0CGUB13

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 HDFC0CGUB13 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 HDFC0CGUB13 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.

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 HDFC Bank – THE GOA URBAN CO OP BANK LTD:

• The IFSC is exactly HDFC0CGUB13 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills HDFC Bank as the bank name and THE GOA URBAN CO OP BANK LTD 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.

How to reach the The Goa Urban Co Op Bank Ltd branch

The branch is located at CHURCH BUILDING,CAVELOSSIM,SALCETE-GOA., which puts it inside Panaji, the broader North Goa district, and the state of Goa. To plan your visit:

1. Open Google Maps on your phone and search for “HDFC Bank The Goa Urban Co Op Bank Ltd branch” — the verified location pin for IFSC HDFC0CGUB13 should appear at the top of the results.
2. Confirm the branch is open by calling 832-2871396 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 HDFC0CGUB13 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC HDFC0CGUB13 for HDFC Bank – THE GOA URBAN CO OP BANK LTD, 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 The Goa Urban Co Op Bank Ltd 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 HDFC0CGUB13 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code HDFC0CGUB13 belongs to HDFC Bank's THE GOA URBAN CO OP BANK LTD branch, located at CHURCH BUILDING,CAVELOSSIM,SALCETE-GOA. 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.