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

Use this page as a one-stop reference for everything related to Yes Bank's CITIZENS COOP BANK JAMMU C O branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code YESB0CJ0101 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.

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 COOP BANK JAMMU C O is YESB0CJ0101. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CJ0101 map to this branch in JAMMU, JAMMU AND KASHMIR.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Citizens Coop Bank Jammu C O branch in Jammu. 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, YESB0CJ0101.

About this branch

The branch is located at 117 A/D GANDHI NAGAR, JAMMU-180004. It serves the Jammu 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 YESB0CJ0101 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 C O branch came to be assigned the code YESB0CJ0101.

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 YESB0CJ0101, money simply cannot be routed to the CITIZENS COOP BANK JAMMU C O branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Citizens Coop Bank Jammu C O branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CJ0101 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC YESB0CJ0101

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 YESB0CJ0101 across all three.

NEFT to Yes Bank, CITIZENS COOP BANK JAMMU C O using IFSC YESB0CJ0101

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 YESB0CJ0101, and confirm that the system picks up Yes Bank – CITIZENS COOP BANK JAMMU C O. 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 C O

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS COOP BANK JAMMU C O branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CJ0101 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank CITIZENS COOP BANK JAMMU C O (IFSC YESB0CJ0101)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CJ0101 in your mobile or internet banking app, and the money is credited to the CITIZENS COOP BANK JAMMU C O branch account within seconds.

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

All three modes accept the IFSC YESB0CJ0101 for Yes Bank – CITIZENS COOP BANK JAMMU C O, 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 Citizens Coop Bank Jammu C O 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 YESB0CJ0101

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 C O is still mapped to IFSC YESB0CJ0101. 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 YESB0CJ0101 and the beneficiary's account number to complete the transfer.

Account types you can open at the Citizens Coop Bank Jammu C O branch

Once you have an account at Yes Bank – CITIZENS COOP BANK JAMMU C O, the IFSC YESB0CJ0101 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 Coop Bank Jammu C O branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 191-2432058.

• 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 YESB0CJ0101

Online banking and IFSC YESB0CJ0101

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS COOP BANK JAMMU C O 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 YESB0CJ0101 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 Coop Bank Jammu C O branch sits at 117 A/D GANDHI NAGAR, JAMMU-180004. If you are travelling from outside Jammu, search for the branch on a maps application using the bank name and locality, or call 191-2432058 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 YESB0CJ0101 and your account number.

Common mistakes to avoid when using IFSC YESB0CJ0101

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 COOP BANK JAMMU C O, 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: YESB0CJ0101.
• 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.

Working hours

Branch counters at Citizens Coop Bank Jammu C O 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 YESB0CJ0101 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0CJ0101 for Yes Bank – CITIZENS COOP BANK JAMMU C O, 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 YESB0CJ0101 belongs to Yes Bank's CITIZENS COOP BANK JAMMU C O branch, located at 117 A/D GANDHI NAGAR, JAMMU-180004 in JAMMU, JAMMU AND KASHMIR. 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.