IFSC Code YESB0UMCBCL - Yes Bank United Merc Coop Bank Civil Lines
13/394 CIVIL LINES KANPUR - 208001
Quick Info
IFSC: YESB0UMCBCL
Pincode: 208001
District: Kanpur Nagar
Status: Active
About Yes Bank United Merc Coop Bank Civil Lines
IFSC Code YESB0UMCBCL belongs to Yes Bank United Merc Coop Bank Civil Lines branch located in Kanpur, Kanpur Nagar, Uttar Pradesh. This branch serves customers in Kanpur, Kanpur Nagar, Uttar Pradesh and surrounding areas.
Understanding IFSC Code YESB0UMCBCL
The IFSC (Indian Financial System Code) YESB0UMCBCL is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify this specific bank branch. The code structure follows a specific format:
- First 4 characters (YESB): Bank code identifying Yes Bank
- 5th character (0): Reserved for future use (always 0)
- Last 6 characters (UMCBCL): Unique branch identifier for United Merc Coop Bank Civil Lines
Electronic Fund Transfer Services
IFSC Code YESB0UMCBCL is essential for all electronic fund transfers in India. This code ensures that money transfers are routed to the correct bank branch. The following payment systems use IFSC codes:
NEFT (National Electronic Funds Transfer)
Batch processing system for fund transfers. Available Yes at this branch.
Processing: Multiple batches daily, typically settles within 2 hours during banking hours.
RTGS (Real Time Gross Settlement)
Real-time fund transfer for high-value transactions (minimum ₹2 lakh). Available Yes at this branch.
Processing: Real-time settlement, typically within minutes during RTGS hours.
IMPS (Immediate Payment Service)
24/7 instant fund transfer service via mobile or internet banking. Available Yes at this branch.
Processing: Instant transfer, available 24/7 including holidays.
UPI (Unified Payments Interface)
Instant mobile payment system using UPI ID or QR code. Available Yes at this branch.
Processing: Instant transfer, available 24/7, no IFSC code needed for UPI transactions.
Branch Location and Accessibility
The Yes Bank United Merc Coop Bank Civil Lines branch is located at 13/394 CIVIL LINES KANPUR - 208001 (Pincode: 208001) in Kanpur, Kanpur Nagar, Uttar Pradesh. This location serves customers in Kanpur, Kanpur Nagar, Uttar Pradesh and nearby areas. When initiating any electronic fund transfer to an account held at this branch, you must use IFSC Code YESB0UMCBCL to ensure the transaction is routed correctly.
How to Use IFSC Code YESB0UMCBCL
When making online fund transfers to an account at this branch, you will need:
- IFSC Code: YESB0UMCBCL (for NEFT, RTGS, IMPS)
- Account Number: The recipient's account number
- Account Holder Name: As registered with the bank
Finding Other Yes Bank Branches
If you're looking for other Yes Bank branches in Kanpur, Kanpur Nagar, Uttar Pradesh or nearby areas, use our Yes Bank branch finder. You can search by city, district, or state to find all Yes Bank branches with their respective IFSC codes.
Branch Details
| IFSC Code: | YESB0UMCBCL |
| Bank Name: | Yes Bank |
| Branch Name: | United Merc Coop Bank Civil Lines |
| Address: | 13/394 CIVIL LINES KANPUR - 208001 |
| City: | Kanpur |
| District: | Kanpur Nagar |
| State: | Uttar Pradesh |
| Pincode: | 208001 |
Payment Services Available
Yes Bank United Merc Coop Bank Civil Lines Branch IFSC Code YESB0UMCBCL — Complete Banking Guide for Kanpur, Uttar Pradesh
IFSC code YESB0UMCBCL belongs to the United Merc Coop Bank Civil Lines branch of Yes Bank in Kanpur, Kanpur Nagar district, Uttar Pradesh. This 11-character code, assigned by the Reserve Bank of India, is mandatory for all digital fund transfers — NEFT, RTGS, IMPS, and UPI. Every payment initiated to an account at this branch must include IFSC YESB0UMCBCL to ensure accurate routing through India's centralised payment infrastructure. Providing an incorrect IFSC may delay or fail the transaction, so always verify the code before confirming any transfer.
About Yes Bank, United Merc Coop Bank Civil Lines Branch
The United Merc Coop Bank Civil Lines branch of Yes Bank in Kanpur, Uttar Pradesh serves retail and corporate customers in Kanpur Nagar district with a full range of banking products. Services typically include savings and current accounts, fixed and recurring deposits, personal and home loans, vehicle finance, trade finance, locker facilities, and wealth management. The branch also supports digital banking — internet banking, mobile banking, UPI, and contactless debit/credit card issuance. Its IFSC YESB0UMCBCL is the key identifier for all fund transfers routed to accounts at this location through RBI's payment systems.
Payment Methods Using IFSC YESB0UMCBCL
Four primary digital payment rails use IFSC YESB0UMCBCL for transfers to Yes Bank, United Merc Coop Bank Civil Lines: NEFT — batch-based, 48 half-hourly settlements daily, no minimum amount, ideal for regular transfers; RTGS — real-time, 24×7, minimum ₹2 lakh, used for high-value transactions; IMPS — instant, 24×7, up to ₹5 lakh, best for urgent transfers; UPI — uses Virtual Payment Address (VPA) linked to accounts at this branch, instant and zero-cost for most transactions. For each method, the sender's bank verifies IFSC YESB0UMCBCL against the RBI IFSC master list before processing the payment.
MICR Code and Branch Details
In addition to the IFSC, the United Merc Coop Bank Civil Lines branch of Yes Bank in Kanpur carries a MICR (Magnetic Ink Character Recognition) code — a 9-digit number printed on cheques that identifies the bank, city, and branch for cheque clearing through the MICR-based clearing system. While NEFT/RTGS/IMPS use the IFSC YESB0UMCBCL exclusively for electronic transfers, MICR remains relevant for paper-based cheque processing. Both codes are listed on this page for complete branch reference.
How to Verify IFSC YESB0UMCBCL Before Transferring
Before initiating any high-value transfer to IFSC YESB0UMCBCL, verify the code through: (1) the RBI's official IFSC repository at rbi.org.in; (2) Yes Bank's official website branch locator; (3) MahaFind's IFSC lookup — the page you are currently viewing. Cross-reference the branch address and bank name displayed here against the details provided by your recipient to confirm accuracy. A mismatch in even one character of the IFSC can reroute your transfer to a different branch entirely.
FAQs — Yes Bank United Merc Coop Bank Civil Lines, Kanpur IFSC
What is the IFSC of Yes Bank United Merc Coop Bank Civil Lines in Kanpur?
The IFSC of Yes Bank, United Merc Coop Bank Civil Lines branch in Kanpur, Uttar Pradesh is YESB0UMCBCL. Use this for NEFT, RTGS, IMPS, and UPI transfers to any account at this branch.
What is the minimum amount for NEFT to IFSC YESB0UMCBCL?
There is no minimum amount for NEFT transfers. You can send as little as ₹1. RTGS requires a minimum of ₹2 lakh. IMPS supports up to ₹5 lakh per transaction. All three use IFSC YESB0UMCBCL to route funds to Yes Bank, United Merc Coop Bank Civil Lines, Kanpur.
Who assigns IFSC codes like YESB0UMCBCL?
The Reserve Bank of India (RBI) assigns all IFSC codes in India. Yes Bank applied for the IFSC for its United Merc Coop Bank Civil Lines branch in Kanpur, and RBI issued YESB0UMCBCL as the unique identifier. The complete list of valid IFSCs is maintained in RBI's IFSC master directory.
Can I use IFSC YESB0UMCBCL for UPI payments?
UPI payments are linked to a Virtual Payment Address (VPA) rather than an IFSC directly, but the underlying account is mapped to IFSC YESB0UMCBCL at Yes Bank, United Merc Coop Bank Civil Lines, Kanpur. When sending money via NEFT/RTGS/IMPS to this branch's account holders, always use IFSC YESB0UMCBCL.
About IFSC Code YESB0UMCBCL
IFSC Code YESB0UMCBCL belongs to Yes Bank branch United Merc Coop Bank Civil Lines located in Kanpur, Kanpur Nagar, Uttar Pradesh.
Branch Information
- IFSC Code: YESB0UMCBCL
- Bank: Yes Bank
- Branch: United Merc Coop Bank Civil Lines
- Address: 13/394 CIVIL LINES KANPUR - 208001
- City: Kanpur
- District: Kanpur Nagar
- State: Uttar Pradesh
- Pincode: 208001
Payment Services
- NEFT: Available
- RTGS: Available
- IMPS: Available
- UPI: Available