IFSC Code of Yes Bank, Citizens Coop Bank Jammu Akhnoor Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, CITIZENS COOP BANK JAMMU AKHNOOR branch in AKHNOOR. The 11-digit IFSC YESB0CJ0110 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Yes Bank at the CITIZENS COOP BANK JAMMU AKHNOOR location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Yes Bank – CITIZENS COOP BANK JAMMU AKHNOOR is YESB0CJ0110. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CJ0110 map to this branch in AKHNOOR, JAMMU AND KASHMIR.

Branch details at a glance

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Citizens Coop Bank Jammu Akhnoor branch in Akhnoor. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, YESB0CJ0110.

About the Citizens Coop Bank Jammu Akhnoor branch

The Citizens Coop Bank Jammu Akhnoor branch of Yes Bank is situated at NEAR BUS STAND, AKHNOOR, JAMMU-181201. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code YESB0CJ0110 is used.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Yes Bank's CITIZENS COOP BANK JAMMU AKHNOOR branch came to be assigned the code YESB0CJ0110.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC YESB0CJ0110, money simply cannot be routed to the CITIZENS COOP BANK JAMMU AKHNOOR branch electronically.

How to transfer money using IFSC YESB0CJ0110

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC YESB0CJ0110 across all three.

NEFT to Yes Bank, CITIZENS COOP BANK JAMMU AKHNOOR using IFSC YESB0CJ0110

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC YESB0CJ0110, and confirm that the system picks up Yes Bank – CITIZENS COOP BANK JAMMU AKHNOOR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CITIZENS COOP BANK JAMMU AKHNOOR

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS COOP BANK JAMMU AKHNOOR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CJ0110 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank CITIZENS COOP BANK JAMMU AKHNOOR (IFSC YESB0CJ0110)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CJ0110 in your mobile or internet banking app, and the money is credited to the CITIZENS COOP BANK JAMMU AKHNOOR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Citizens Coop Bank Jammu Akhnoor

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC YESB0CJ0110:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CITIZENS COOP BANK JAMMU AKHNOOR is still linked to IFSC YESB0CJ0110.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Yes Bank's CITIZENS COOP BANK JAMMU AKHNOOR branch, the IFSC YESB0CJ0110 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Citizens Coop Bank Jammu Akhnoor branch is mapped to IFSC YESB0CJ0110 on the RBI payments network. The branch generally supports the full retail product catalogue of Yes Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains YESB0CJ0110.

Banking services available

The Citizens Coop Bank Jammu Akhnoor branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1924-252000.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC YESB0CJ0110

MICR & cheque-truncation details

Cheques drawn on the Citizens Coop Bank Jammu Akhnoor branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CJ0110 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC YESB0CJ0110

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS COOP BANK JAMMU AKHNOOR branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC YESB0CJ0110 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

Common mistakes to avoid when using IFSC YESB0CJ0110

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Yes Bank – CITIZENS COOP BANK JAMMU AKHNOOR, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: YESB0CJ0110.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Citizens Coop Bank Jammu Akhnoor branch sits at NEAR BUS STAND, AKHNOOR, JAMMU-181201. If you are travelling from outside Akhnoor, search for the branch on a maps application using the bank name and locality, or call 1924-252000 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC YESB0CJ0110 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0CJ0110 for Yes Bank – CITIZENS COOP BANK JAMMU AKHNOOR, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Citizens Coop Bank Jammu Akhnoor are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to YESB0CJ0110 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0CJ0110 is the IFSC code of Yes Bank, CITIZENS COOP BANK JAMMU AKHNOOR branch, in AKHNOOR, JAMMU AND KASHMIR. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.