IFSC Code of Yes Bank, Citizens Urban Cooperative Bank Ltd Gangtok Branch Branch, Sikkim

Below are the complete branch details for Yes Bank, CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH branch, located in GANGTOK, SIKKIM. The IFSC assigned by the Reserve Bank of India to this branch is YESB0CUCBL2. 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 YESB0CUCBL2 for Yes Bank – CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, YESB0CUCBL2 is the IFSC of Yes Bank's CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH branch. The format is fixed: YESB = bank code, 0 = reserved, CUCBL2 = branch identifier.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Citizens Urban Cooperative Bank Ltd Gangtok Branch branch in Gangtok, Sikkim is part of this network and uses the IFSC code YESB0CUCBL2 for all electronic settlement.

About this branch

The branch is located at KRP MARG, NAMNANG, GANGTOK SIKKIM-737101. It serves the Gangtok region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Yes Bank. The IFSC YESB0CUCBL2 is used to identify this branch on the RBI payments network.

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 CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH of Yes Bank — its own 11-character IFSC. The code YESB0CUCBL2 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 YESB0CUCBL2 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 YESB0CUCBL2 and the account number together uniquely identify the Citizens Urban Cooperative Bank Ltd Gangtok Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0CUCBL2

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 YESB0CUCBL2 across all three.

NEFT to Yes Bank, CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH using IFSC YESB0CUCBL2

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 YESB0CUCBL2, and confirm that the system picks up Yes Bank – CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0CUCBL2

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 – CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH, ensure your bank's portal accepts IFSC YESB0CUCBL2 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH, use IMPS. With IFSC YESB0CUCBL2 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 Citizens Urban Cooperative Bank Ltd Gangtok Branch

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 YESB0CUCBL2:

• 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 CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH is still linked to IFSC YESB0CUCBL2.

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 YESB0CUCBL2

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 – CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH is still mapped to IFSC YESB0CUCBL2. 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 YESB0CUCBL2 and the beneficiary's account number to complete the transfer.

Account types you can open at the Citizens Urban Cooperative Bank Ltd Gangtok Branch branch

Once you have an account at Yes Bank – CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH, the IFSC YESB0CUCBL2 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.

Banking services available

The Citizens Urban Cooperative Bank Ltd Gangtok Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3592-9134511124.

• 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 YESB0CUCBL2

Online banking and IFSC YESB0CUCBL2

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH 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 YESB0CUCBL2 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 Citizens Urban Cooperative Bank Ltd Gangtok Branch branch sits at KRP MARG, NAMNANG, GANGTOK SIKKIM-737101. If you are travelling from outside Gangtok, search for the branch on a maps application using the bank name and locality, or call 3592-9134511124 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 YESB0CUCBL2 and your account number.

Common mistakes to avoid when using IFSC YESB0CUCBL2

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 – CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH, 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: YESB0CUCBL2.
• 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 Citizens Urban Cooperative Bank Ltd Gangtok Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0CUCBL2, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0CUCBL2 for Yes Bank – CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH, 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 YESB0CUCBL2 belongs to Yes Bank's CITIZENS URBAN COOPERATIVE BANK LTD GANGTOK BRANCH branch, located at KRP MARG, NAMNANG, GANGTOK SIKKIM-737101 in GANGTOK, SIKKIM. 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.