IFSC Code of Yes Bank, Almora Zila Sahkari Bank Bhikiyasen Branch, Uttarakhand

If you are searching for the IFSC code of Yes Bank, ALMORA ZILA SAHKARI BANK BHIKIYASEN branch in BHIKIASEN, UTTARAKHAND, this page has every detail you need. The verified IFSC code for this branch is YESB0AZSB04. 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 ALMORA ZILA SAHKARI BANK BHIKIYASEN branch, and detailed step-by-step guides for using the IFSC YESB0AZSB04 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 – ALMORA ZILA SAHKARI BANK BHIKIYASEN is YESB0AZSB04. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters AZSB04 map to this branch in BHIKIASEN, UTTARAKHAND.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Almora Zila Sahkari Bank Bhikiyasen branch in Bhikiasen. 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, YESB0AZSB04.

Branch details at a glance

About the Almora Zila Sahkari Bank Bhikiyasen branch

The Almora Zila Sahkari Bank Bhikiyasen branch of Yes Bank is situated at BHIKIYASEN BRANCH, MAIN MARKET, BHIKIYASEN - 263667. 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 YESB0AZSB04 is used.

Why every Yes Bank branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including ALMORA ZILA SAHKARI BANK BHIKIYASEN of Yes Bank — its own 11-character IFSC. The code YESB0AZSB04 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC YESB0AZSB04 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Almora Zila Sahkari Bank Bhikiyasen branch

Once you have an account at Yes Bank – ALMORA ZILA SAHKARI BANK BHIKIYASEN, the IFSC YESB0AZSB04 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Products and services

Customers walking into the Almora Zila Sahkari Bank Bhikiyasen 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 YESB0AZSB04

How to transfer money using IFSC YESB0AZSB04

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 YESB0AZSB04 across all three.

NEFT to Yes Bank, ALMORA ZILA SAHKARI BANK BHIKIYASEN using IFSC YESB0AZSB04

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 YESB0AZSB04, and confirm that the system picks up Yes Bank – ALMORA ZILA SAHKARI BANK BHIKIYASEN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to ALMORA ZILA SAHKARI BANK BHIKIYASEN

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's ALMORA ZILA SAHKARI BANK BHIKIYASEN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0AZSB04 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank ALMORA ZILA SAHKARI BANK BHIKIYASEN (IFSC YESB0AZSB04)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0AZSB04 in your mobile or internet banking app, and the money is credited to the ALMORA ZILA SAHKARI BANK BHIKIYASEN branch account within seconds.

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

All three modes accept the IFSC YESB0AZSB04 for Yes Bank – ALMORA ZILA SAHKARI BANK BHIKIYASEN, 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 Almora Zila Sahkari Bank Bhikiyasen 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.

UPI payments and IFSC YESB0AZSB04

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at Yes Bank – ALMORA ZILA SAHKARI BANK BHIKIYASEN is still mapped to IFSC YESB0AZSB04. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC YESB0AZSB04 and the beneficiary's account number to complete the transfer.

Online banking and IFSC YESB0AZSB04

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the ALMORA ZILA SAHKARI BANK BHIKIYASEN 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 YESB0AZSB04 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.

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 YESB0AZSB04 and the account number together uniquely identify the Almora Zila Sahkari Bank Bhikiyasen branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Yes Bank – ALMORA ZILA SAHKARI BANK BHIKIYASEN:

• The IFSC is exactly YESB0AZSB04 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Yes Bank as the bank name and ALMORA ZILA SAHKARI BANK BHIKIYASEN as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Almora Zila Sahkari Bank Bhikiyasen branch

The branch is located at BHIKIYASEN BRANCH, MAIN MARKET, BHIKIYASEN - 263667, which puts it inside Bhikiasen, the broader Almora district, and the state of Uttarakhand. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Almora Zila Sahkari Bank Bhikiyasen branch” — the verified location pin for IFSC YESB0AZSB04 should appear at the top of the results.
2. Confirm the branch is open by calling 9411113159 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC YESB0AZSB04 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0AZSB04 for Yes Bank – ALMORA ZILA SAHKARI BANK BHIKIYASEN, 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 Almora Zila Sahkari Bank Bhikiyasen 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 YESB0AZSB04 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0AZSB04 belongs to Yes Bank's ALMORA ZILA SAHKARI BANK BHIKIYASEN branch, located at BHIKIYASEN BRANCH, MAIN MARKET, BHIKIYASEN - 263667 in BHIKIASEN, UTTARAKHAND. 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.