IFSC Code of Yes Bank, Citizens Urban Coop Bank Civil Line Branch, Punjab

Below are the complete branch details for Yes Bank, CITIZENS URBAN COOP BANK CIVIL LINE branch, located in JALANDHAR, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is YESB0CB0006. 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 YESB0CB0006 for Yes Bank – CITIZENS URBAN COOP BANK CIVIL LINE — 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 – CITIZENS URBAN COOP BANK CIVIL LINE is YESB0CB0006. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CB0006 map to this branch in JALANDHAR, PUNJAB.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Citizens Urban Coop Bank Civil Line branch — IFSC YESB0CB0006 — extends the bank's services to customers in and around Jalandhar, Punjab.

Branch details at a glance

Citizens Urban Coop Bank Civil Line branch overview

Located at OPP CIRCUIT HOUSE, JALANDHAR - 144001, the Citizens Urban Coop Bank Civil Line branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0CB0006 is required for all interbank electronic transfers routed through this branch.

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 CIVIL LINE of Yes Bank — its own 11-character IFSC. The code YESB0CB0006 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 YESB0CB0006 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Citizens Urban Coop Bank Civil Line branch is mapped to IFSC YESB0CB0006 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 YESB0CB0006.

Products and services

Customers walking into the Citizens Urban Coop Bank Civil Line 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 YESB0CB0006

How to transfer money using IFSC YESB0CB0006

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 YESB0CB0006 across all three.

How to use IFSC YESB0CB0006 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 CIVIL LINE 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 YESB0CB0006.
4. Confirm the bank name auto-populates as Yes Bank and the branch as CITIZENS URBAN COOP BANK CIVIL LINE.
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 YESB0CB0006

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 CIVIL LINE, ensure your bank's portal accepts IFSC YESB0CB0006 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank CITIZENS URBAN COOP BANK CIVIL LINE (IFSC YESB0CB0006)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CB0006 in your mobile or internet banking app, and the money is credited to the CITIZENS URBAN COOP BANK CIVIL LINE branch account within seconds.

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

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 YESB0CB0006:

• 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 CIVIL LINE is still linked to IFSC YESB0CB0006.

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 YESB0CB0006

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 CIVIL LINE is still mapped to IFSC YESB0CB0006. 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 YESB0CB0006 and the beneficiary's account number to complete the transfer.

Online banking and IFSC YESB0CB0006

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS URBAN COOP BANK CIVIL LINE 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 YESB0CB0006 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.

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 YESB0CB0006 and the account number together uniquely identify the Citizens Urban Coop Bank Civil Line branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC YESB0CB0006

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 COOP BANK CIVIL LINE, 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: YESB0CB0006.
• 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.

Reaching the branch

The Citizens Urban Coop Bank Civil Line branch sits at OPP CIRCUIT HOUSE, JALANDHAR - 144001. If you are travelling from outside Jalandhar, 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 YESB0CB0006 and your account number.

Verifying IFSC YESB0CB0006 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 YESB0CB0006 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.

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 Coop Bank Civil Line branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0CB0006, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0CB0006 is the IFSC code of Yes Bank, CITIZENS URBAN COOP BANK CIVIL LINE branch, in JALANDHAR, PUNJAB. 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.