Yes Bank
CITIZENS URBAN COOPERATIVE BANK LIMITED BRANCH
+919832438393
Understanding IFSC Code: The Digital DNA of Yes Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the CITIZENS URBAN COOPERATIVE BANK LIMITED
branch of Yes Bank, the code YESB0CUCBL0 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 YESB0CUCBL0 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 Yes Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for CITIZENS URBAN COOPERATIVE BANK LIMITED
Payment Systems Supported by YESB0CUCBL0
| 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——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 Yes Bank in GANGTOK typically follows the RBI holiday calendar. Digital transfers via YESB0CUCBL0 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 YESB0CUCBL0 is the valid code for CITIZENS URBAN COOPERATIVE BANK LIMITED at GANGTOK, 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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