Citizencredit Cooperative Bank IFSC and MICR Code:

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CitizenCredit Co-operative Bank (CCCB) IFSC Code:

Transferring money, which used to be a long and cumbersome process, has now been transformed thanks to NEFT and RTGS facilities. With these two services, individuals can conduct online money transfers wherever they are through a secure avenue. NEFT (National Electronic Funds Transfer) and RTGS (Real Time Gross Settlement) are services initiated by the Reserve Bank of India (RBI) to facilitate quick and accessible online fund transfers within India. Individuals using these services to make wireless money transfers would be required to enter the IFSC Code of the beneficiary’s bank branch. This is a unique code issued by RBI to all banks within the NEFT network. The code allows RBI to keep a tab on the fund transfers taking place and also in ascertaining the source and destination banks in a particular transaction.

An IFSC Code is 11 characters long and made up of three parts. The first is the name of the bank. The second is the numeral “0”, which is left blank for use at a later stage. The last part of the code is the bank branch number. An IFSC code for a CitizenCredit Bank branch located in Panaji city, Panaji, Goa is CCBL0GOA007. Here, “CCBL” stands for CitizenCredit Bank, the fifth character is “0”, and the last six characters “GOA007” represent the bank branch in question.

How to Search for CitizenCredit Co-operative Bank (CCCB) IFSC and MICR Codes?

Locating IFSC and MICR codes is a simple process. The code can be found on the bank’s website, where a list of all the bank branch codes registered on the NEFT network can be found. CitizenCredit Bank prints the IFSC code of a particular bank branch on the leaves of the cheque books issued from that branch. Additionally, this information can be found on websites like BankBazaar. On the homepage, simply scroll to the bottom of the page and click on the “Bank IFSC Code” tab. Enter the name of the bank and other details like the state, district and the bank branch. On doing so, the IFSC and MICR codes will appear on the screen, along with relevant information like the branch address and contact number.

Making an online fund transfer using CitizenCredit’s NEFT and RTGS facilities is a quick and easy process. Read below for details on these two services.

NEFT (National Electronic Funds Transfer):

The NEFT service offered by CitizenCredit Bank allows individuals to make fund transfers to any bank within India that is part of the NEFT network. Bank customers can avail of the NEFT services every Monday to Saturday from 8:30 am-16:30 pm. However this service will not be available on second and fourth Saturdays.

NEFT transfers have neither an upper nor a lower limit, making it the preferred choice when it comes to money transfers nowadays.

NEFT fund transfers are cleared on the same day that the request is made, in 11 hourly batches. Requests are cleared in the immediately available batch. In case requests received after the cut off time for NEFT, or for requests received on holidays, the bank clears the transfers on the next business day. Below are the charges levied by the bank:

  • The bank charges Rs. 2.50/- per transaction for all transactions up to Rs. 10, 000/-.
  • The bank charges Rs. 5/- per transaction for amounts from Rs. 10, 001/- to Rs. 1, 00, 000/-.
  • The bank charges Rs. 15/- per transaction for amounts from Rs. 1, 00, 001/- to Rs. 2, 00, 000/-.
  • The bank charges Rs. 25/- per transaction for amounts of Rs. 2, 00, 001/- and above.

RTGS (Real Time Gross Settlement):

RTGS facility provides the fastest fund transfer within the country. Customers can use this service to transfer funds on a real time basis, which implies that the fund transfer is conducted as soon as the request is processed. These transfers are also settled on a gross basis, implying that each transaction is processed individually. As these transfers are recorded in RBI’s books, once a fund transfer request is made, it cannot be revoked and is final.

RTGS facilities are available from Monday to Saturday from 8:00 am to 16:00 pm. RTGS transactions have no maximum limit, but the minimum transaction should be Rs. 2 lakh. Given below are the bank charges for this service:

  • For amounts between Rs. 2, 00, 000/- to Rs. 5, 00, 000/- the bank charges Rs. 25/- for each transaction.
  • For amounts above Rs. 5, 00, 000/- the bank charges Rs. 50/- for each transaction.

The above charges are exclusive of service tax.

The CitizenCredit Co-operative Bank Ltd., a scheduled co-operative bank, started as the Bombay Catholic Urban Co-operative Credit Society in 1920. The CitizenCredit Bank officially began operations as a full-fledged bank in 1984. The bank was the first among co-operative banks in conducting bank operations that were computerised in 1991. At present the bank has 42 branches spread across the country. The bank provides banking and financial services to their customers, marked by their adherence to Capital, Credit and Character, which form the focus of banking operations. They provide services like demat, loans, deposits and lockers.

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