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

Use this page as a one-stop reference for everything related to Yes Bank's CITIZENS COOP BANK JAMMU SHEIKHNGR branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code YESB0CJ0115 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.

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, YESB0CJ0115 is the IFSC of Yes Bank's CITIZENS COOP BANK JAMMU SHEIKHNGR branch. The format is fixed: YESB = bank code, 0 = reserved, CJ0115 = branch identifier.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Citizens Coop Bank Jammu Sheikhngr 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, YESB0CJ0115.

Branch details at a glance

About the Citizens Coop Bank Jammu Sheikhngr branch

The Citizens Coop Bank Jammu Sheikhngr branch of Yes Bank is situated at SHEIKH NAGAR (BAHU FORT), JAMMU-180006. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code YESB0CJ0115 is used.

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 SHEIKHNGR of Yes Bank — its own 11-character IFSC. The code YESB0CJ0115 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 YESB0CJ0115 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 Sheikhngr branch

Once you have an account at Yes Bank – CITIZENS COOP BANK JAMMU SHEIKHNGR, the IFSC YESB0CJ0115 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 Sheikhngr 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 YESB0CJ0115

How to transfer money using IFSC YESB0CJ0115

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 YESB0CJ0115 across all three.

How to use IFSC YESB0CJ0115 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's CITIZENS COOP BANK JAMMU SHEIKHNGR 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 YESB0CJ0115.
4. Confirm the bank name auto-populates as Yes Bank and the branch as CITIZENS COOP BANK JAMMU SHEIKHNGR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to CITIZENS COOP BANK JAMMU SHEIKHNGR

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS COOP BANK JAMMU SHEIKHNGR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CJ0115 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank CITIZENS COOP BANK JAMMU SHEIKHNGR (IFSC YESB0CJ0115)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CJ0115 in your mobile or internet banking app, and the money is credited to the CITIZENS COOP BANK JAMMU SHEIKHNGR branch account within seconds.

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

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 YESB0CJ0115:

• 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 SHEIKHNGR is still linked to IFSC YESB0CJ0115.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Yes Bank's CITIZENS COOP BANK JAMMU SHEIKHNGR branch, the IFSC YESB0CJ0115 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Digital banking channels

Most day-to-day work that customers used to do at the Citizens Coop Bank Jammu Sheikhngr branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC YESB0CJ0115 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

MICR & cheque-truncation details

Cheques drawn on the Citizens Coop Bank Jammu Sheikhngr branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CJ0115 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 SHEIKHNGR:

• The IFSC is exactly YESB0CJ0115 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 SHEIKHNGR 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 Sheikhngr branch sits at SHEIKH NAGAR (BAHU FORT), JAMMU-180006. If you are travelling from outside Jammu, search for the branch on a maps application using the bank name and locality, or call 191-2452318 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 YESB0CJ0115 and your account number.

Verifying IFSC YESB0CJ0115 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 YESB0CJ0115 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 191-2452318.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Citizens Coop Bank Jammu Sheikhngr 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 YESB0CJ0115 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0CJ0115 belongs to Yes Bank's CITIZENS COOP BANK JAMMU SHEIKHNGR branch, located at SHEIKH NAGAR (BAHU FORT), JAMMU-180006 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.