Citizens Urban Co-operative Bank
CITIZENS URBAN COOP BANK KAPURTHALA BRANCH
+911822232345
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 KAPURTHALA
branch of Citizens Urban Co-operative Bank, the code YESB0CB0015 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 YESB0CB0015 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 KAPURTHALA
Payment Systems Supported by YESB0CB0015
| 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—144297252—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 KAPURTHALA typically follows the RBI holiday calendar. Digital transfers via YESB0CB0015 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 YESB0CB0015 is the valid code for CITIZENS URBAN COOP BANK KAPURTHALA at KAPURTHALA, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • CITIZENS URBAN COOP BANK KAPURTHALA Contact
- • Address of Citizens Urban Co-operative Bank
- • MICR Code Finder
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Platform Links
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- • IFSC Finder v2.0
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