Mizoram Co-operative Apex Bank
MIZORAM COOP APEX BANK CHAMPHAI BRANCH
+913831235424
Understanding IFSC Code: The Digital DNA of Mizoram Co-operative Apex Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the MIZORAM COOP APEX BANK CHAMPHAI
branch of Mizoram Co-operative Apex Bank, the code YESB0MAB008 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 YESB0MAB008 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 Mizoram Co-operative Apex Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for MIZORAM COOP APEX BANK CHAMPHAI
Payment Systems Supported by YESB0MAB008
| 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—796806502—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 Mizoram Co-operative Apex Bank in CHAMPHAI typically follows the RBI holiday calendar. Digital transfers via YESB0MAB008 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 YESB0MAB008 is the valid code for MIZORAM COOP APEX BANK CHAMPHAI at CHAMPHAI, 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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