Citizens' Co-operative Bank Jammu
CITIZENS COOP BANK JAMMU NEW PLOTS BRANCH
+911912578796
Understanding IFSC Code: The Digital DNA of Citizens' Co-operative Bank Jammu
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the CITIZENS COOP BANK JAMMU NEW PLOTS
branch of Citizens' Co-operative Bank Jammu, the code YESB0CJ0103 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 YESB0CJ0103 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' Co-operative Bank Jammu
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for CITIZENS COOP BANK JAMMU NEW PLOTS
Payment Systems Supported by YESB0CJ0103
| 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—180660003—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' Co-operative Bank Jammu in JAMMU typically follows the RBI holiday calendar. Digital transfers via YESB0CJ0103 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 YESB0CJ0103 is the valid code for CITIZENS COOP BANK JAMMU NEW PLOTS at JAMMU, 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 COOP BANK JAMMU NEW PLOTS Contact
- • Address of Citizens' Co-operative Bank Jammu
- • MICR Code Finder
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Platform Links
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- • IFSC Finder v2.0
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