IFSC Code of Yes Bank, Citizens Coop Bank Jammu Moti Bazar Branch, Jammu and Kashmir

If you are searching for the IFSC code of Yes Bank, CITIZENS COOP BANK JAMMU MOTI BAZAR branch in JAMMU, JAMMU AND KASHMIR, this page has every detail you need. The verified IFSC code for this branch is YESB0CJ0102. 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 COOP BANK JAMMU MOTI BAZAR branch, and detailed step-by-step guides for using the IFSC YESB0CJ0102 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.

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, YESB0CJ0102 is the IFSC of Yes Bank's CITIZENS COOP BANK JAMMU MOTI BAZAR branch. The format is fixed: YESB = bank code, 0 = reserved, CJ0102 = branch identifier.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Citizens Coop Bank Jammu Moti Bazar branch in Jammu, Jammu and Kashmir is part of this network and uses the IFSC code YESB0CJ0102 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at MOTI BAZAR, 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 YESB0CJ0102 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 COOP BANK JAMMU MOTI BAZAR of Yes Bank — its own 11-character IFSC. The code YESB0CJ0102 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 YESB0CJ0102 the same way you would treat your account number — verify it once and save it carefully for future use.

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

Once you have an account at Yes Bank – CITIZENS COOP BANK JAMMU MOTI BAZAR, the IFSC YESB0CJ0102 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 Citizens Coop Bank Jammu Moti Bazar 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 YESB0CJ0102

How to transfer money using IFSC YESB0CJ0102

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 YESB0CJ0102 across all three.

NEFT to Yes Bank, CITIZENS COOP BANK JAMMU MOTI BAZAR using IFSC YESB0CJ0102

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 YESB0CJ0102, and confirm that the system picks up Yes Bank – CITIZENS COOP BANK JAMMU MOTI BAZAR. 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 MOTI BAZAR

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS COOP BANK JAMMU MOTI BAZAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CJ0102 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – CITIZENS COOP BANK JAMMU MOTI BAZAR, use IMPS. With IFSC YESB0CJ0102 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

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 YESB0CJ0102:

• 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 MOTI BAZAR is still linked to IFSC YESB0CJ0102.

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 YESB0CJ0102

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 MOTI BAZAR is still mapped to IFSC YESB0CJ0102. 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 YESB0CJ0102 and the beneficiary's account number to complete the transfer.

Online banking and IFSC YESB0CJ0102

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS COOP BANK JAMMU MOTI BAZAR 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 YESB0CJ0102 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 & cheque-truncation details

Cheques drawn on the Citizens Coop Bank Jammu Moti Bazar branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CJ0102 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 MOTI BAZAR:

• The IFSC is exactly YESB0CJ0102 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 MOTI BAZAR 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 Coop Bank Jammu Moti Bazar branch sits at MOTI BAZAR, JAMMU-180001. If you are travelling from outside Jammu, search for the branch on a maps application using the bank name and locality, or call 191-2579544 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 YESB0CJ0102 and your account number.

Verifying IFSC YESB0CJ0102 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 YESB0CJ0102 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 191-2579544.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Citizens Coop Bank Jammu Moti Bazar 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 YESB0CJ0102 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0CJ0102 is the IFSC code of Yes Bank, CITIZENS COOP BANK JAMMU MOTI BAZAR branch, in JAMMU, JAMMU AND KASHMIR. 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.