IMPORTANT : Citizens Rooftop Solar Dhiran @ 9.00%*.

Gujarat GST No. 24AAAAC0325K1Z9 Maharashtra GST No. 27AAAAC0325K1Z3

Offline Services

Core Banking System
A core banking system is the software that banks use to manage their most critical processes, such as customer accounts, transactions and risk management. It is the central nervous system of a bank, and it is essential for providing a seamless customer experience (CX) and maintaining compliance with regulations.
Our Bank is CBS enable Bank since 2011, You can do the transaction of your Account from any of our Branches
Demand Draft
Our Bank Provide Demand Draft of HDFC to most known place to be realize at no extra charge                                                      
Bill Purchase/ Bill discounting / Bank Guarantee
Bill Purchase / Bill Discounting:
- Post Sale limits are extended by way of discounting/ purchasing of bills/cheques, advances against book debts etc.
- Bill Purchase - These may be in the nature of on demand Clean or Documentary bills being the bills payable on demand drawn on outstation centres for which immediate credit is afforded to your business account less our discount and handling charges.
- Usance Bill Purchased - Usance Clean or Documentary bills are bills payable on due date after expiry of the usance period drawn on drawees/payees against which immediate credit is given to your business account less interest for the usance period, handling charges, postage etc.
- Bills Discounted - Under this type of lending, Bank takes the bill drawn by borrower on his (borrower's) customer and pay him immediately deducting some amount as discount/commission. The Bank then presents the Bill to the borrower's customer on the due date of the Bill and collects the total amount. If the bill is delayed, the borrower or his customer pays the Bank a pre-determined interest depending upon the terms of transaction.
Bank Guarantee:
- Bank Guarantee and Letter Of Credit Limits sanctioned to Members of the Bank.
 - BG/LC Limits sanctioned to customers of the Bank on the security of the deposits/Immovable properties.
 - The Bank can extend only financial guarantees, but not performance guarantees.
 - The BG/LC facility extended to businessman, professionals, industrialists, small business entrepreneurs for the purposes of payment of EMD, procurement of work orders, procuring advances for executing work orders, getting payment of bills, and such other purposes.
 - The cash margin as may be prescribed from time to time based on additional/collateral securities.
 - The incidental expenses in connection with issue of Bank guarantee shall be borne by the applicant. Bank guarantee commission/fees as prescribed from time to time."                                                                                                                                           
"Citizens Co-Operative Bank Ltd. provides Safe Deposit Locker Facilities to Keep Your Valuable items at a Safe and Secured Place.
Lockers are In Various Sizes and Dimensions at our various Branches."                                                                                                                                         
Stamp Franking
Bank having stamp franking services at Head Office, Morbi and Thane branches. We request our valuable customers to use this facility more and more.