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

Use this page as a one-stop reference for everything related to Yes Bank's CITIZENS COOP BANK JAMMU WARE HOUSE branch in JAMMU, JAMMU AND KASHMIR. The branch's IFSC code YESB0CJ0104 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 WARE HOUSE is YESB0CJ0104. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CJ0104 map to this branch in JAMMU, JAMMU AND KASHMIR.

Branch details at a glance

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Citizens Coop Bank Jammu Ware House 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, YESB0CJ0104.

About this branch

The branch is located at WARE HOUSE, 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 YESB0CJ0104 is used to identify this branch on the RBI payments network.

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 WARE HOUSE branch came to be assigned the code YESB0CJ0104.

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 YESB0CJ0104, money simply cannot be routed to the CITIZENS COOP BANK JAMMU WARE HOUSE branch electronically.

How to transfer money using IFSC YESB0CJ0104

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 YESB0CJ0104 across all three.

How to use IFSC YESB0CJ0104 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 WARE HOUSE 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 YESB0CJ0104.
4. Confirm the bank name auto-populates as Yes Bank and the branch as CITIZENS COOP BANK JAMMU WARE HOUSE.
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 WARE HOUSE

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS COOP BANK JAMMU WARE HOUSE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CJ0104 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 WARE HOUSE, use IMPS. With IFSC YESB0CJ0104 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC YESB0CJ0104 for Yes Bank – CITIZENS COOP BANK JAMMU WARE HOUSE, 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 Ware House 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 YESB0CJ0104

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 WARE HOUSE is still mapped to IFSC YESB0CJ0104. 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 YESB0CJ0104 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Citizens Coop Bank Jammu Ware House branch is mapped to IFSC YESB0CJ0104 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 YESB0CJ0104.

Products and services

Customers walking into the Citizens Coop Bank Jammu Ware House 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 YESB0CJ0104

MICR & cheque-truncation details

Cheques drawn on the Citizens Coop Bank Jammu Ware House branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CJ0104 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Citizens Coop Bank Jammu Ware House 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 YESB0CJ0104 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.

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 WARE HOUSE:

• The IFSC is exactly YESB0CJ0104 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 WARE HOUSE 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.

How to reach the Citizens Coop Bank Jammu Ware House branch

The branch is located at WARE HOUSE, JAMMU-180004, 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 Ware House branch” — the verified location pin for IFSC YESB0CJ0104 should appear at the top of the results.
2. Confirm the branch is open by calling 191-2430076 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 YESB0CJ0104 and your account number.

Verifying IFSC YESB0CJ0104 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 YESB0CJ0104 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 191-2430076.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Citizens Coop Bank Jammu Ware House 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 YESB0CJ0104 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0CJ0104 is the IFSC code of Yes Bank, CITIZENS COOP BANK JAMMU WARE HOUSE 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.