IFSC Code of Yes Bank, The Goa State Coop Bank Cuncolim Branch, Goa

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, THE GOA STATE COOP BANK CUNCOLIM branch in CUNCOLIM. The 11-digit IFSC YESB0GSCB46 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 THE GOA STATE COOP BANK CUNCOLIM 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 – THE GOA STATE COOP BANK CUNCOLIM is YESB0GSCB46. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GSCB46 map to this branch in CUNCOLIM, GOA.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Goa State Coop Bank Cuncolim branch — IFSC YESB0GSCB46 — extends the bank's services to customers in and around Cuncolim, Goa.

About the The Goa State Coop Bank Cuncolim branch

The The Goa State Coop Bank Cuncolim branch of Yes Bank is situated at NEAR CUNCOLIM UNITED HIGH SCHOOL, CUNCOLIM, SALCETE, GOA - 403703. 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 YESB0GSCB46 is used.

Branch details at a glance

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 THE GOA STATE COOP BANK CUNCOLIM of Yes Bank — its own 11-character IFSC. The code YESB0GSCB46 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 YESB0GSCB46 the same way you would treat your account number — verify it once and save it carefully for future use.

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 YESB0GSCB46 and the account number together uniquely identify the The Goa State Coop Bank Cuncolim branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0GSCB46

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 YESB0GSCB46 across all three.

NEFT to Yes Bank, THE GOA STATE COOP BANK CUNCOLIM using IFSC YESB0GSCB46

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 YESB0GSCB46, and confirm that the system picks up Yes Bank – THE GOA STATE COOP BANK CUNCOLIM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE GOA STATE COOP BANK CUNCOLIM

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's THE GOA STATE COOP BANK CUNCOLIM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0GSCB46 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank THE GOA STATE COOP BANK CUNCOLIM (IFSC YESB0GSCB46)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0GSCB46 in your mobile or internet banking app, and the money is credited to the THE GOA STATE COOP BANK CUNCOLIM branch account within seconds.

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

All three modes accept the IFSC YESB0GSCB46 for Yes Bank – THE GOA STATE COOP BANK CUNCOLIM, 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 The Goa State Coop Bank Cuncolim 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 YESB0GSCB46

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 – THE GOA STATE COOP BANK CUNCOLIM is still mapped to IFSC YESB0GSCB46. 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 YESB0GSCB46 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the The Goa State Coop Bank Cuncolim branch is mapped to IFSC YESB0GSCB46 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 YESB0GSCB46.

Products and services

Customers walking into the The Goa State Coop Bank Cuncolim 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 YESB0GSCB46

Online banking and IFSC YESB0GSCB46

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the THE GOA STATE COOP BANK CUNCOLIM 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 YESB0GSCB46 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.

Reaching the branch

The The Goa State Coop Bank Cuncolim branch sits at NEAR CUNCOLIM UNITED HIGH SCHOOL, CUNCOLIM, SALCETE, GOA - 403703. If you are travelling from outside Cuncolim, search for the branch on a maps application using the bank name and locality, or call 832-2764049 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 YESB0GSCB46 and your account number.

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 – THE GOA STATE COOP BANK CUNCOLIM:

• The IFSC is exactly YESB0GSCB46 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 THE GOA STATE COOP BANK CUNCOLIM 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.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The The Goa State Coop Bank Cuncolim branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0GSCB46, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0GSCB46 for Yes Bank – THE GOA STATE COOP BANK CUNCOLIM, 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

Final notes

To recap: YESB0GSCB46 is the IFSC code of Yes Bank, THE GOA STATE COOP BANK CUNCOLIM branch, in CUNCOLIM, GOA. 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.