IFSC Code of Yes Bank, Citizens Coop Bank Jammu Kanakmandi 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 KANAKMANDI branch in JAMMU. The 11-digit IFSC YESB0CJ0106 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 KANAKMANDI 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, YESB0CJ0106 is the IFSC of Yes Bank's CITIZENS COOP BANK JAMMU KANAKMANDI branch. The format is fixed: YESB = bank code, 0 = reserved, CJ0106 = branch identifier.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Citizens Coop Bank Jammu Kanakmandi branch — IFSC YESB0CJ0106 — extends the bank's services to customers in and around Jammu, Jammu and Kashmir.

About this branch

The branch is located at AHATA SHRI NIWAS SHAH, KANAK MANDI, JAMMU-180001. 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 YESB0CJ0106 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 COOP BANK JAMMU KANAKMANDI of Yes Bank — its own 11-character IFSC. The code YESB0CJ0106 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 YESB0CJ0106 the same way you would treat your account number — verify it once and save it carefully for future use.

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 YESB0CJ0106 and the account number together uniquely identify the Citizens Coop Bank Jammu Kanakmandi branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0CJ0106

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 YESB0CJ0106 across all three.

NEFT to Yes Bank, CITIZENS COOP BANK JAMMU KANAKMANDI using IFSC YESB0CJ0106

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 YESB0CJ0106, and confirm that the system picks up Yes Bank – CITIZENS COOP BANK JAMMU KANAKMANDI. 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 KANAKMANDI

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS COOP BANK JAMMU KANAKMANDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CJ0106 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank CITIZENS COOP BANK JAMMU KANAKMANDI (IFSC YESB0CJ0106)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CJ0106 in your mobile or internet banking app, and the money is credited to the CITIZENS COOP BANK JAMMU KANAKMANDI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Citizens Coop Bank Jammu Kanakmandi

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 YESB0CJ0106:

• 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 KANAKMANDI is still linked to IFSC YESB0CJ0106.

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 YESB0CJ0106

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 KANAKMANDI is still mapped to IFSC YESB0CJ0106. 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 YESB0CJ0106 and the beneficiary's account number to complete the transfer.

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

Once you have an account at Yes Bank – CITIZENS COOP BANK JAMMU KANAKMANDI, the IFSC YESB0CJ0106 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 Kanakmandi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 191-2544712.

• 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 YESB0CJ0106

Online banking and IFSC YESB0CJ0106

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS COOP BANK JAMMU KANAKMANDI 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 YESB0CJ0106 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.

How to reach the Citizens Coop Bank Jammu Kanakmandi branch

The branch is located at AHATA SHRI NIWAS SHAH, KANAK MANDI, JAMMU-180001, which puts it inside Jammu, the broader Jammu district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Citizens Coop Bank Jammu Kanakmandi branch” — the verified location pin for IFSC YESB0CJ0106 should appear at the top of the results.
2. Confirm the branch is open by calling 191-2544712 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC YESB0CJ0106 and your account number.

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 KANAKMANDI:

• The IFSC is exactly YESB0CJ0106 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 KANAKMANDI 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.

Working hours

Branch counters at Citizens Coop Bank Jammu Kanakmandi 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 YESB0CJ0106 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0CJ0106 for Yes Bank – CITIZENS COOP BANK JAMMU KANAKMANDI, 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 YESB0CJ0106 belongs to Yes Bank's CITIZENS COOP BANK JAMMU KANAKMANDI branch, located at AHATA SHRI NIWAS SHAH, KANAK MANDI, JAMMU-180001 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.