Citizens Urban Co-operative Bank
CITIZENS URBAN COOP BANK MOHALI BRANCH
+911815031576
Understanding IFSC Code: The Digital DNA of Citizens Urban Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the CITIZENS URBAN COOP BANK MOHALI
branch of Citizens Urban Co-operative Bank, the code YESB0CB0013 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the YESB0CB0013 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"YESB" represents Citizens Urban Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for CITIZENS URBAN COOP BANK MOHALI
Payment Systems Supported by YESB0CB0013
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—160297003—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Citizens Urban Co-operative Bank in SAS NAGAR,MOHALI typically follows the RBI holiday calendar. Digital transfers via YESB0CB0013 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While YESB0CB0013 is the valid code for CITIZENS URBAN COOP BANK MOHALI at SAS NAGAR,MOHALI, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Branch Context
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Platform Links
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