IFSC Code of Yes Bank, Surat Merc Coop Bank Amroli Branch, Gujarat

If you are searching for the IFSC code of Yes Bank, SURAT MERC COOP BANK AMROLI branch in AMROLI, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is YESB0SMCB08. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the SURAT MERC COOP BANK AMROLI branch, and detailed step-by-step guides for using the IFSC YESB0SMCB08 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 – SURAT MERC COOP BANK AMROLI is YESB0SMCB08. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SMCB08 map to this branch in AMROLI, GUJARAT.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Surat Merc Coop Bank Amroli branch in Amroli. 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, YESB0SMCB08.

About the Surat Merc Coop Bank Amroli branch

The Surat Merc Coop Bank Amroli branch of Yes Bank is situated at SR-16, TEJAL PARK BUILDING, 1ST FLOOR, NR MANSAROVAR COMPLEX, AMROLI CHAR RASTA, SURAT - 394107. 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 YESB0SMCB08 is used.

Branch details at a glance

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 SURAT MERC COOP BANK AMROLI branch came to be assigned the code YESB0SMCB08.

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 YESB0SMCB08, money simply cannot be routed to the SURAT MERC COOP BANK AMROLI branch electronically.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by Yes Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC YESB0SMCB08 and the account number together uniquely identify the Surat Merc Coop Bank Amroli branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0SMCB08

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 YESB0SMCB08 across all three.

How to use IFSC YESB0SMCB08 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's SURAT MERC COOP BANK AMROLI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC YESB0SMCB08.
4. Confirm the bank name auto-populates as Yes Bank and the branch as SURAT MERC COOP BANK AMROLI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC YESB0SMCB08

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Yes Bank – SURAT MERC COOP BANK AMROLI, ensure your bank's portal accepts IFSC YESB0SMCB08 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – SURAT MERC COOP BANK AMROLI, use IMPS. With IFSC YESB0SMCB08 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC YESB0SMCB08 for Yes Bank – SURAT MERC COOP BANK AMROLI, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Surat Merc Coop Bank Amroli branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

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 SURAT MERC COOP BANK AMROLI branch, the IFSC YESB0SMCB08 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 Surat Merc Coop Bank Amroli branch is mapped to IFSC YESB0SMCB08 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 YESB0SMCB08.

Banking services available

The Surat Merc Coop Bank Amroli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2498901.

• 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 YESB0SMCB08

Digital banking channels

Most day-to-day work that customers used to do at the Surat Merc Coop Bank Amroli branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC YESB0SMCB08 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Reaching the branch

The Surat Merc Coop Bank Amroli branch sits at SR-16, TEJAL PARK BUILDING, 1ST FLOOR, NR MANSAROVAR COMPLEX, AMROLI CHAR RASTA, SURAT - 394107. If you are travelling from outside Amroli, search for the branch on a maps application using the bank name and locality, or call 261-2498901 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 YESB0SMCB08 and your account number.

Common mistakes to avoid when using IFSC YESB0SMCB08

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 – SURAT MERC COOP BANK AMROLI, 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: YESB0SMCB08.
• 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.

Working hours

Branch counters at Surat Merc Coop Bank Amroli 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 YESB0SMCB08 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0SMCB08 for Yes Bank – SURAT MERC COOP BANK AMROLI, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0SMCB08 belongs to Yes Bank's SURAT MERC COOP BANK AMROLI branch, located at SR-16, TEJAL PARK BUILDING, 1ST FLOOR, NR MANSAROVAR COMPLEX, AMROLI CHAR… in AMROLI, GUJARAT. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.