IFSC Code of Yes Bank, Meghalaya Coop Apex Bank Baghmara Branch, Meghalaya

Use this page as a one-stop reference for everything related to Yes Bank's MEGHALAYA COOP APEX BANK BAGHMARA branch in BAGHMARA, MEGHALAYA. The branch's IFSC code YESB0MCA008 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 – MEGHALAYA COOP APEX BANK BAGHMARA is YESB0MCA008. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MCA008 map to this branch in BAGHMARA, MEGHALAYA.

Branch details at a glance

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Meghalaya Coop Apex Bank Baghmara branch in Baghmara, Meghalaya is part of this network and uses the IFSC code YESB0MCA008 for all electronic settlement.

Meghalaya Coop Apex Bank Baghmara branch overview

Located at BAGHMARA 794102 SOUTH GARO HILLS DISTRICT, the Meghalaya Coop Apex Bank Baghmara branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0MCA008 is required for all interbank electronic transfers routed through this branch.

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 MEGHALAYA COOP APEX BANK BAGHMARA branch came to be assigned the code YESB0MCA008.

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 YESB0MCA008, money simply cannot be routed to the MEGHALAYA COOP APEX BANK BAGHMARA branch electronically.

How to transfer money using IFSC YESB0MCA008

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 YESB0MCA008 across all three.

How to use IFSC YESB0MCA008 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's MEGHALAYA COOP APEX BANK BAGHMARA 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 YESB0MCA008.
4. Confirm the bank name auto-populates as Yes Bank and the branch as MEGHALAYA COOP APEX BANK BAGHMARA.
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 YESB0MCA008

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 – MEGHALAYA COOP APEX BANK BAGHMARA, ensure your bank's portal accepts IFSC YESB0MCA008 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – MEGHALAYA COOP APEX BANK BAGHMARA, use IMPS. With IFSC YESB0MCA008 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Meghalaya Coop Apex Bank Baghmara

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 YESB0MCA008:

• 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 MEGHALAYA COOP APEX BANK BAGHMARA is still linked to IFSC YESB0MCA008.

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 MEGHALAYA COOP APEX BANK BAGHMARA branch, the IFSC YESB0MCA008 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 Meghalaya Coop Apex Bank Baghmara branch is mapped to IFSC YESB0MCA008 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 YESB0MCA008.

Products and services

Customers walking into the Meghalaya Coop Apex Bank Baghmara branch can access most of Yes Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC YESB0MCA008

MICR & cheque-truncation details

Cheques drawn on the Meghalaya Coop Apex Bank Baghmara branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0MCA008 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC YESB0MCA008

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the MEGHALAYA COOP APEX BANK BAGHMARA 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 YESB0MCA008 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 YESB0MCA008

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 – MEGHALAYA COOP APEX BANK BAGHMARA, 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: YESB0MCA008.
• 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 Meghalaya Coop Apex Bank Baghmara branch sits at BAGHMARA 794102 SOUTH GARO HILLS DISTRICT. If you are travelling from outside Baghmara, search for the branch on a maps application using the bank name and locality, or call 8575019945 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 YESB0MCA008 and your account number.

Verifying IFSC YESB0MCA008 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm YESB0MCA008 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8575019945.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Meghalaya Coop Apex Bank Baghmara 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 YESB0MCA008 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0MCA008 belongs to Yes Bank's MEGHALAYA COOP APEX BANK BAGHMARA branch, located at BAGHMARA 794102 SOUTH GARO HILLS DISTRICT in BAGHMARA, MEGHALAYA. 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.