IFSC Code of Yes Bank, Citizens Coop Bank Jammu Ganyal Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, CITIZENS COOP BANK JAMMU GANYAL branch in GANGYAL. The 11-digit IFSC YESB0CJ0105 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 CITIZENS COOP BANK JAMMU GANYAL 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.

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, YESB0CJ0105 is the IFSC of Yes Bank's CITIZENS COOP BANK JAMMU GANYAL branch. The format is fixed: YESB = bank code, 0 = reserved, CJ0105 = branch identifier.

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 Citizens Coop Bank Jammu Ganyal branch in Gangyal, Jammu and Kashmir is part of this network and uses the IFSC code YESB0CJ0105 for all electronic settlement.

Citizens Coop Bank Jammu Ganyal branch overview

Located at NATIONAL HIGHWAY, GANGYAL, JAMMU-180010, the Citizens Coop Bank Jammu Ganyal branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0CJ0105 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 CITIZENS COOP BANK JAMMU GANYAL branch came to be assigned the code YESB0CJ0105.

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 YESB0CJ0105, money simply cannot be routed to the CITIZENS COOP BANK JAMMU GANYAL branch electronically.

How to transfer money using IFSC YESB0CJ0105

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 YESB0CJ0105 across all three.

NEFT to Yes Bank, CITIZENS COOP BANK JAMMU GANYAL using IFSC YESB0CJ0105

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 YESB0CJ0105, and confirm that the system picks up Yes Bank – CITIZENS COOP BANK JAMMU GANYAL. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CITIZENS COOP BANK JAMMU GANYAL

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS COOP BANK JAMMU GANYAL branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CJ0105 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – CITIZENS COOP BANK JAMMU GANYAL, use IMPS. With IFSC YESB0CJ0105 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 Coop Bank Jammu Ganyal

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 YESB0CJ0105:

• 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 COOP BANK JAMMU GANYAL is still linked to IFSC YESB0CJ0105.

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 YESB0CJ0105

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 COOP BANK JAMMU GANYAL is still mapped to IFSC YESB0CJ0105. 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 YESB0CJ0105 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Citizens Coop Bank Jammu Ganyal branch is mapped to IFSC YESB0CJ0105 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 YESB0CJ0105.

Products and services

Customers walking into the Citizens Coop Bank Jammu Ganyal 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 YESB0CJ0105

MICR & cheque-truncation details

Cheques drawn on the Citizens Coop Bank Jammu Ganyal branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CJ0105 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Citizens Coop Bank Jammu Ganyal 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 YESB0CJ0105 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.

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 – CITIZENS COOP BANK JAMMU GANYAL:

• The IFSC is exactly YESB0CJ0105 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 CITIZENS COOP BANK JAMMU GANYAL 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.

Reaching the branch

The Citizens Coop Bank Jammu Ganyal branch sits at NATIONAL HIGHWAY, GANGYAL, JAMMU-180010. If you are travelling from outside Gangyal, search for the branch on a maps application using the bank name and locality, or call 191-2480491 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 YESB0CJ0105 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0CJ0105 for Yes Bank – CITIZENS COOP BANK JAMMU GANYAL, 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 Citizens Coop Bank Jammu Ganyal 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 YESB0CJ0105 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0CJ0105 is the IFSC code of Yes Bank, CITIZENS COOP BANK JAMMU GANYAL branch, in GANGYAL, JAMMU AND KASHMIR. 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.