United Mercantile Co-operative Bank
UNITED MERC COOP BANK KIDWAI NAGAR BRANCH
+919838502060
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:
Bank Identity
"YESB" represents United Mercantile Co-operative Bank
Control Character
Always '0' (Reserved for future use)
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.
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Financial Tools
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Branch Context
- • UNITED MERC COOP BANK KIDWAI NAGAR Contact
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Platform Links
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