United Mercantile Co-operative Bank
UNITED MERC COOP BANK SHARDA 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 SHARDA NAGAR
branch of United Mercantile Co-operative Bank, the code YESB0UMCBSH 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 YESB0UMCBSH 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 SHARDA NAGAR
Payment Systems Supported by YESB0UMCBSH
| 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—208185272—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 YESB0UMCBSH 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 YESB0UMCBSH is the valid code for UNITED MERC COOP BANK SHARDA NAGAR at KANPUR, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
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Financial Tools
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Branch Context
- • UNITED MERC COOP BANK SHARDA NAGAR Contact
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- • MICR Code Finder
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Platform Links
- • Anand Design DevBox
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- • Webmaster Tools
- • IFSC Finder v2.0
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