IFSC Code of Yes Bank, Citizens Urban Coop Bank Goraya Branch, Punjab

If you are searching for the IFSC code of Yes Bank, CITIZENS URBAN COOP BANK GORAYA branch in GORAYA, PUNJAB, this page has every detail you need. The verified IFSC code for this branch is YESB0CB0009. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CITIZENS URBAN COOP BANK GORAYA branch, and detailed step-by-step guides for using the IFSC YESB0CB0009 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Yes Bank's CITIZENS URBAN COOP BANK GORAYA branch, the IFSC YESB0CB0009 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and CB0009 identifies this particular branch.

Branch details at a glance

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Citizens Urban Coop Bank Goraya branch in Goraya. 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, YESB0CB0009.

About this branch

The branch is located at GT ROAD, GORAYA - 144409. It serves the Goraya 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 YESB0CB0009 is used to identify this branch on the RBI payments network.

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 COOP BANK GORAYA of Yes Bank — its own 11-character IFSC. The code YESB0CB0009 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 YESB0CB0009 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC YESB0CB0009

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 YESB0CB0009 across all three.

How to use IFSC YESB0CB0009 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's CITIZENS URBAN COOP BANK GORAYA 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 YESB0CB0009.
4. Confirm the bank name auto-populates as Yes Bank and the branch as CITIZENS URBAN COOP BANK GORAYA.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC YESB0CB0009

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 COOP BANK GORAYA, ensure your bank's portal accepts IFSC YESB0CB0009 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank CITIZENS URBAN COOP BANK GORAYA (IFSC YESB0CB0009)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CB0009 in your mobile or internet banking app, and the money is credited to the CITIZENS URBAN COOP BANK GORAYA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Citizens Urban Coop Bank Goraya

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 YESB0CB0009:

• 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 COOP BANK GORAYA is still linked to IFSC YESB0CB0009.

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 YESB0CB0009

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 COOP BANK GORAYA is still mapped to IFSC YESB0CB0009. 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 YESB0CB0009 and the beneficiary's account number to complete the transfer.

Account types you can open at the Citizens Urban Coop Bank Goraya branch

Once you have an account at Yes Bank – CITIZENS URBAN COOP BANK GORAYA, the IFSC YESB0CB0009 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 Coop Bank Goraya branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 181-5031576.

• 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 YESB0CB0009

MICR & cheque-truncation details

Cheques drawn on the Citizens Urban Coop Bank Goraya branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CB0009 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC YESB0CB0009

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS URBAN COOP BANK GORAYA 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 YESB0CB0009 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 – CITIZENS URBAN COOP BANK GORAYA:

• The IFSC is exactly YESB0CB0009 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 URBAN COOP BANK GORAYA 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 Urban Coop Bank Goraya branch sits at GT ROAD, GORAYA - 144409. If you are travelling from outside Goraya, search for the branch on a maps application using the bank name and locality, or call 181-5031576 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 YESB0CB0009 and your account number.

Verifying IFSC YESB0CB0009 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 YESB0CB0009 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 181-5031576.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Citizens Urban Coop Bank Goraya 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 YESB0CB0009 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0CB0009 belongs to Yes Bank's CITIZENS URBAN COOP BANK GORAYA branch, located at GT ROAD, GORAYA - 144409 in GORAYA, PUNJAB. 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.