Citizen Credit Co-operative Bank • MUMBAI, Maharashtra

BHAYANDAR BRANCH IFSC Code

Find the IFSC code (CCBL0209032), MICR (400209032), branch address, contact details, and banking information for Citizen Credit Co-operative Bank BHAYANDAR BRANCH branch in MUMBAI, Maharashtra.

Official 11-Digit IFSC Code CCBL0209032
IFSC format valid • Source: RBI Public Register
Last verified: 24 Sep 2026
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Branch Details

Bank Name Citizen Credit Co-operative Bank
Branch Name BHAYANDAR BRANCH
IFSC Code CCBL0209032
MICR Code 400209032
City / Town MUMBAI
District MUMBAI
State Maharashtra
Postal PIN Code Not available
Branch Address
SHOP NO 6 , GROUND FLOOR , NEXT TO POPULAR AUTO , VINEET APARTMENT CHSL , CHATTRAPATI SHIVAJI ROAD , BHAYANDER (W) , DIST THANE PIN 401101
Phone / Contact
Branch Direct: 28170131
Verified Bank Helplines

Banking Status & State Holidays

Regular Working Day Last checked: 24 Sep 2026
Typical banking hours: 10:00 AM – 4:00 PM (subject to branch-specific schedules and local changes) in Maharashtra. Regular banking hours are typically 10:00 AM – 4:00 PM, subject to branch-specific schedules and administrative changes. Digital payment systems (NEFT, RTGS, IMPS, UPI) are generally operational round-the-clock per RBI/NPCI guidelines, subject to individual bank processing, system maintenance, and account limits.
Upcoming Bank Holidays in Maharashtra

Commercial banks observe weekly holidays on Sundays, 2nd & 4th Saturdays, and state-notified Negotiable Instruments Act holidays:

Date Day Holiday / Observance Type
26 Sep 2026 Saturday Fourth Saturday Bank Holiday RBI Banking Holiday
02 Oct 2026 Friday Mahatma Gandhi Jayanti National Holiday
10 Oct 2026 Saturday Second Saturday Bank Holiday RBI Banking Holiday
20 Oct 2026 Tuesday Dussehra (Vijayadashami) Maharashtra State Gazetted
24 Oct 2026 Saturday Fourth Saturday Bank Holiday RBI Banking Holiday

IFSC Code Structure

The 11-character Indian Financial System Code (IFSC) is structured into three standardized components:

CCBL Bank Code (Citizen Credit Co-operative Bank)
0 Control Zero (Reserved)
209032 Branch Identifier
CTS-2010 Cheque MICR Code Breakdown
CTS-2010 Standard

The 9-digit MICR (Magnetic Ink Character Recognition) code printed on cheque leaves allows high-speed mechanical sorting:

400 Digits 1-3: City Code
209 Digits 4-6: Bank Code
032 Digits 7-9: Branch Code
Cheque No. "102450"
MICR Code (9 Digits) 400209032
RBI Account ID 000240
Transaction Code 10

Nearby Citizen Credit Co-operative Bank Branches in MUMBAI

View All State Branches →

Other Citizen Credit Co-operative Bank branches located in and around MUMBAI:

Branch Name IFSC Code MICR City Action
SERVICE BRANCH CCBL0209001 Not available GREATER MUMBAI View →
DADAR BRANCH CCBL0209002 400209002 GREATER MUMBAI View →
BYCULLA BRANCH CCBL0209004 400209004 GREATER MUMBAI View →
BRANCH CCBL0209005 400209005 GREATER MUMBAI View →
KURLA BRANCH CCBL0209006 400209006 GREATER MUMBAI View →
BORIVLI BRANCH CCBL0209007 400209007 GREATER MUMBAI View →

Other Banks Operating in MUMBAI

8 Banks

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Axis Bank 184 branches
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Yes Bank 164 branches
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Bank of India 144 branches
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Bank of Baroda 105 branches
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State Bank of India 98 branches
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Branch Summary
  • Bank Code CCBL
  • Branch Code 209032
  • Clearing System NEFT / RTGS / IMPS
  • City MUMBAI
  • State Maharashtra
About Citizen Credit Co-operative Bank

One of India’s registered financial institutions authorized by the Reserve Bank of India to provide banking and electronic payment services.

View Citizen Credit Co-operative Bank Profile & Branches (49)
State Directory

Explore all registered bank branches and IFSC codes in Maharashtra.

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Fund Transfer Options & Guidelines

Electronic transfers to Citizen Credit Co-operative Bank are supported across national payment clearing networks:

UPI Charges Guide →
IMPS
Immediate Payment

Instant 24x7 interbank electronic fund transfer managed by NPCI.

Speed: Instant (Real-Time)
Limit: ₹1 – ₹5,00,000 / day
Charges: ₹2.50 – ₹15 + GST
Timing: 24x7 x 365
NEFT
National Transfer

Nationwide batch transfer system operated directly by the RBI.

Speed: Every 30 Minutes
Limit: No Min / Max Limit
Charges: 100% FREE Online
Timing: 24x7 x 365
RTGS
Gross Settlement

High-value gross settlement processed continuously by the RBI.

Speed: Instant Real-Time
Limit: Min ₹2 Lakh (No Max)
Charges: 100% FREE Online
Timing: 24x7 x 365
UPI / QR
Unified Payments

Instant mobile payments via VPA, phone number, or QR code.

Speed: Instant Real-Time
Limit: Up to ₹1,00,000 / txn
Charges: FREE for Individuals
Timing: 24x7 x 365
RBI Regulatory Guidance: Per Reserve Bank of India (RBI) notifications, banks do not levy any transaction fees on online NEFT and RTGS fund transfers initiated via internet banking or mobile apps for retail savings accounts. All electronic clearing systems operate 24x7 throughout the year.

How to Transfer Funds Using IFSC CCBL0209032

1
Add Beneficiary

Login to your bank portal or app. Go to Fund Transfer → Add Beneficiary. Enter Account Name, Number, and IFSC: CCBL0209032.

2
Cooling Period

Banks enforce a security cooling period (30 mins to 4 hours) for new beneficiaries before large transfers can be initiated.

3
Select Transfer Mode

Choose IMPS for instant transfers up to ₹5 Lakh, NEFT for standard transfers, or RTGS for amounts of ₹2 Lakh and above.

4
Authorize & Save UTR

Confirm the transfer using OTP or MPIN. Always save the generated Unique Transaction Reference (UTR / RRN) number for future tracking.

What Happens If You Enter an Incorrect IFSC Code?
  • If the IFSC does not exist: The payment gateway will reject the transaction immediately before any amount is deducted from your account.
  • If the IFSC belongs to another branch of Citizen Credit Co-operative Bank: As long as the beneficiary account number is unique and valid within the core banking system, the transfer usually succeeds.
  • If both the IFSC and account number belong to an unintended valid person: The funds will be credited to that account. In such a scenario, contact your home branch immediately with the transaction UTR number to initiate a retrieval process.

Frequently Asked Questions: BHAYANDAR BRANCH Branch

The IFSC code for Citizen Credit Co-operative Bank BHAYANDAR BRANCH is CCBL0209032. It is an 11-digit alphanumeric code assigned by the Reserve Bank of India to route electronic fund transfers to this branch location in MUMBAI.
The 9-digit MICR code for BHAYANDAR BRANCH branch is 400209032. MICR (Magnetic Ink Character Recognition) is printed at the bottom of cheque leaves and enables automated high-speed cheque clearing through RBI CTS-2010 sorting machines.
Standard banking hours are typically 10:00 AM to 4:00 PM IST on regular business days. Branches are closed on Sundays, the 2nd and 4th Saturdays of every month, and state-declared public holidays under the Negotiable Instruments Act.
No. IFSC codes are strictly for domestic transactions within India (NEFT, RTGS, IMPS). For inward foreign remittances from abroad, you require Citizen Credit Co-operative Bank's international SWIFT / BIC Code and the corresponding NOSTRO clearing routing details.
Consumers and individuals pay ₹0 (100% free) on all UPI transactions. Under NPCI rules, a 0.4% Merchant Discount Rate (MDR) applies strictly to commercial merchants for P2M transactions above ₹2,000 (capped at ₹300), while small merchants earning up to ₹1 Lakh/month and all P2P transfers are completely exempt.
On a standard CTS-2010 cheque, the IFSC code is printed at the top-center or top-left corner adjacent to the bank logo and branch address. On a passbook, it is displayed on the first account profile page along with your Customer ID and Account Number.
Data Source & Editorial Disclosure

Branch records, IFSC codes, and address information are sourced from public master directories published by the Reserve Bank of India (RBI.org.in) . Read our Data Methodology →

Legal Non-Affiliation Disclaimer: This website is an independent informational directory. We are not affiliated with, endorsed by, or sponsored by the Reserve Bank of India (RBI) or Citizen Credit Co-operative Bank. Always verify beneficiary details before authorizing electronic fund transfers.

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