IFSC Code of Yes Bank, Nainital DCB Garampani Branch, Uttarakhand

Use this page as a one-stop reference for everything related to Yes Bank's NAINITAL DCB GARAMPANI branch in GARAMPANI, UTTARAKHAND. The branch's IFSC code YESB0NDCB16 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, YESB0NDCB16 is the IFSC of Yes Bank's NAINITAL DCB GARAMPANI branch. The format is fixed: YESB = bank code, 0 = reserved, NDCB16 = branch identifier.

Branch details at a glance

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Nainital DCB Garampani branch in Garampani. 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, YESB0NDCB16.

About this branch

The branch is located at GARAMPANI, NAINITAL - 263135. It serves the Garampani 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 YESB0NDCB16 is used to identify this branch on the RBI payments network.

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 NAINITAL DCB GARAMPANI branch came to be assigned the code YESB0NDCB16.

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 YESB0NDCB16, money simply cannot be routed to the NAINITAL DCB GARAMPANI branch electronically.

How to transfer money using IFSC YESB0NDCB16

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 YESB0NDCB16 across all three.

NEFT to Yes Bank, NAINITAL DCB GARAMPANI using IFSC YESB0NDCB16

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 YESB0NDCB16, and confirm that the system picks up Yes Bank – NAINITAL DCB GARAMPANI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0NDCB16

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 – NAINITAL DCB GARAMPANI, ensure your bank's portal accepts IFSC YESB0NDCB16 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – NAINITAL DCB GARAMPANI, use IMPS. With IFSC YESB0NDCB16 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC YESB0NDCB16 for Yes Bank – NAINITAL DCB GARAMPANI, 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 Nainital DCB Garampani 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 YESB0NDCB16

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 – NAINITAL DCB GARAMPANI is still mapped to IFSC YESB0NDCB16. 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 YESB0NDCB16 and the beneficiary's account number to complete the transfer.

Account types you can open at the Nainital DCB Garampani branch

Once you have an account at Yes Bank – NAINITAL DCB GARAMPANI, the IFSC YESB0NDCB16 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 Nainital DCB Garampani 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 YESB0NDCB16

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 YESB0NDCB16 and the account number together uniquely identify the Nainital DCB Garampani branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC YESB0NDCB16

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the NAINITAL DCB GARAMPANI 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 YESB0NDCB16 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.

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 – NAINITAL DCB GARAMPANI:

• The IFSC is exactly YESB0NDCB16 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 NAINITAL DCB GARAMPANI 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 Nainital DCB Garampani branch sits at GARAMPANI, NAINITAL - 263135. If you are travelling from outside Garampani, search for the branch on a maps application using the bank name and locality, or call 9412087722 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 YESB0NDCB16 and your account number.

Verifying IFSC YESB0NDCB16 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 YESB0NDCB16 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9412087722.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Nainital DCB Garampani 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 YESB0NDCB16 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0NDCB16 belongs to Yes Bank's NAINITAL DCB GARAMPANI branch, located at GARAMPANI, NAINITAL - 263135 in GARAMPANI, 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.