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United Mercantile Co-operative Bank

UNITED MERC COOP BANK KIDWAI NAGAR BRANCH

+919838502060

IFSC CODE
YESB0UMCBKK
MICR Code 208185273
Branch Code UMCBKK
City / District KANPUR
State UTTAR PRADESH
Office Address 128/50-F, K BLOCK, KIDWAI NAGAR, KANPUR - 208011
Phone +919838502060
📍 View Branch on Google Maps

Understanding IFSC Code: The Digital DNA of United Mercantile Co-operative Bank

When performing any digital transaction in India, the Indian Financial System Code (IFSC) acts as a critical identifier. For the UNITED MERC COOP BANK KIDWAI NAGAR branch of United Mercantile Co-operative Bank, the code YESB0UMCBKK 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 YESB0UMCBKK Code

An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:

First 4

Bank Identity

"YESB" represents United Mercantile Co-operative Bank

5th Digit

Control Character

Always '0' (Reserved for future use)

Last 6

Branch Locator

Unique code for UNITED MERC COOP BANK KIDWAI NAGAR

Payment Systems Supported by YESB0UMCBKK

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—208185273—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 United Mercantile Co-operative Bank in KANPUR typically follows the RBI holiday calendar. Digital transfers via YESB0UMCBKK 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 YESB0UMCBKK is the valid code for UNITED MERC COOP BANK KIDWAI NAGAR at KANPUR, ensure the beneficiary name matches perfectly in your mobile banking app.

RBI Verified NEFT Enabled RTGS 24x7

Bank Search Indexing & Metadata

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Financial Tools

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Branch Context

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  • • MICR Code Finder
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Platform Links

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  • • IFSC Finder v2.0

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