IFSC Code of Yes Bank, Ucb Cuttack Chandini Chowk Branch, Odisha

Below are the complete branch details for Yes Bank, UCB CUTTACK CHANDINI CHOWK branch, located in CUTTACK, ODISHA. The IFSC assigned by the Reserve Bank of India to this branch is YESB0CUB004. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case YESB0CUB004 for Yes Bank – UCB CUTTACK CHANDINI CHOWK — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – UCB CUTTACK CHANDINI CHOWK is YESB0CUB004. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CUB004 map to this branch in CUTTACK, ODISHA.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Ucb Cuttack Chandini Chowk branch — IFSC YESB0CUB004 — extends the bank's services to customers in and around Cuttack, Odisha.

About the Ucb Cuttack Chandini Chowk branch

The Ucb Cuttack Chandini Chowk branch of Yes Bank is situated at CHANDINI CHOWK 753002. 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 YESB0CUB004 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 UCB CUTTACK CHANDINI CHOWK of Yes Bank — its own 11-character IFSC. The code YESB0CUB004 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 YESB0CUB004 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 YESB0CUB004 and the account number together uniquely identify the Ucb Cuttack Chandini Chowk branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0CUB004

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 YESB0CUB004 across all three.

How to use IFSC YESB0CUB004 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's UCB CUTTACK CHANDINI CHOWK 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 YESB0CUB004.
4. Confirm the bank name auto-populates as Yes Bank and the branch as UCB CUTTACK CHANDINI CHOWK.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to UCB CUTTACK CHANDINI CHOWK

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's UCB CUTTACK CHANDINI CHOWK branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CUB004 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank UCB CUTTACK CHANDINI CHOWK (IFSC YESB0CUB004)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CUB004 in your mobile or internet banking app, and the money is credited to the UCB CUTTACK CHANDINI CHOWK branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Ucb Cuttack Chandini Chowk

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 YESB0CUB004:

• 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 UCB CUTTACK CHANDINI CHOWK is still linked to IFSC YESB0CUB004.

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.

UPI payments and IFSC YESB0CUB004

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 – UCB CUTTACK CHANDINI CHOWK is still mapped to IFSC YESB0CUB004. 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 YESB0CUB004 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ucb Cuttack Chandini Chowk branch is mapped to IFSC YESB0CUB004 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 YESB0CUB004.

Products and services

Customers walking into the Ucb Cuttack Chandini Chowk 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 YESB0CUB004

Digital banking channels

Most day-to-day work that customers used to do at the Ucb Cuttack Chandini Chowk 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 YESB0CUB004 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 Ucb Cuttack Chandini Chowk branch sits at CHANDINI CHOWK 753002. If you are travelling from outside Cuttack, search for the branch on a maps application using the bank name and locality, or call 671-2508036 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 YESB0CUB004 and your account number.

Common mistakes to avoid when using IFSC YESB0CUB004

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 – UCB CUTTACK CHANDINI CHOWK, 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: YESB0CUB004.
• 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.

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 Ucb Cuttack Chandini Chowk branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0CUB004, however, work 24x7.

Verifying IFSC YESB0CUB004 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 YESB0CUB004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 671-2508036.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0CUB004 is the IFSC code of Yes Bank, UCB CUTTACK CHANDINI CHOWK branch, in CUTTACK, ODISHA. 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.