Janalaxmi Co-operative Bank
JANALAXMI COOP BANK SARAF BAZAR BRANCH
+912532508564
Understanding IFSC Code: The Digital DNA of Janalaxmi Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the JANALAXMI COOP BANK SARAF BAZAR
branch of Janalaxmi Co-operative Bank, the code YESB0JLCB10 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 YESB0JLCB10 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 Janalaxmi Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for JANALAXMI COOP BANK SARAF BAZAR
Payment Systems Supported by YESB0JLCB10
| 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—422373010—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 Janalaxmi Co-operative Bank in NASHIK typically follows the RBI holiday calendar. Digital transfers via YESB0JLCB10 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 YESB0JLCB10 is the valid code for JANALAXMI COOP BANK SARAF BAZAR at NASHIK, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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Platform Links
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