IFSC Code of Yes Bank, Meghalaya Coop Apex Bank Jowai Branch, Meghalaya

Use this page as a one-stop reference for everything related to Yes Bank's MEGHALAYA COOP APEX BANK JOWAI branch in JOWAI, MEGHALAYA. The branch's IFSC code YESB0MCA004 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 – MEGHALAYA COOP APEX BANK JOWAI is YESB0MCA004. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MCA004 map to this branch in JOWAI, MEGHALAYA.

Branch details at a glance

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Meghalaya Coop Apex Bank Jowai branch in Jowai, Meghalaya is part of this network and uses the IFSC code YESB0MCA004 for all electronic settlement.

About the Meghalaya Coop Apex Bank Jowai branch

The Meghalaya Coop Apex Bank Jowai branch of Yes Bank is situated at JOWAI 793150 WEST JAINTIA HILLS DISTRICT. 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 YESB0MCA004 is used.

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 MEGHALAYA COOP APEX BANK JOWAI branch came to be assigned the code YESB0MCA004.

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 YESB0MCA004, money simply cannot be routed to the MEGHALAYA COOP APEX BANK JOWAI branch electronically.

How to transfer money using IFSC YESB0MCA004

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 YESB0MCA004 across all three.

NEFT to Yes Bank, MEGHALAYA COOP APEX BANK JOWAI using IFSC YESB0MCA004

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 YESB0MCA004, and confirm that the system picks up Yes Bank – MEGHALAYA COOP APEX BANK JOWAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MEGHALAYA COOP APEX BANK JOWAI

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's MEGHALAYA COOP APEX BANK JOWAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0MCA004 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 – MEGHALAYA COOP APEX BANK JOWAI, use IMPS. With IFSC YESB0MCA004 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 YESB0MCA004 for Yes Bank – MEGHALAYA COOP APEX BANK JOWAI, 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 Meghalaya Coop Apex Bank Jowai 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 YESB0MCA004

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 – MEGHALAYA COOP APEX BANK JOWAI is still mapped to IFSC YESB0MCA004. 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 YESB0MCA004 and the beneficiary's account number to complete the transfer.

Account types you can open at the Meghalaya Coop Apex Bank Jowai branch

Once you have an account at Yes Bank – MEGHALAYA COOP APEX BANK JOWAI, the IFSC YESB0MCA004 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 Meghalaya Coop Apex Bank Jowai branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8575019924.

• 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 YESB0MCA004

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 YESB0MCA004 and the account number together uniquely identify the Meghalaya Coop Apex Bank Jowai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Meghalaya Coop Apex Bank Jowai 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 YESB0MCA004 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.

Common mistakes to avoid when using IFSC YESB0MCA004

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 – MEGHALAYA COOP APEX BANK JOWAI, 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: YESB0MCA004.
• 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.

How to reach the Meghalaya Coop Apex Bank Jowai branch

The branch is located at JOWAI 793150 WEST JAINTIA HILLS DISTRICT, which puts it inside Jowai, the broader Jaintia Hills district, and the state of Meghalaya. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Meghalaya Coop Apex Bank Jowai branch” — the verified location pin for IFSC YESB0MCA004 should appear at the top of the results.
2. Confirm the branch is open by calling 8575019924 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 YESB0MCA004 and your account number.

Verifying IFSC YESB0MCA004 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 YESB0MCA004 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8575019924.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Meghalaya Coop Apex Bank Jowai branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0MCA004, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0MCA004 belongs to Yes Bank's MEGHALAYA COOP APEX BANK JOWAI branch, located at JOWAI 793150 WEST JAINTIA HILLS DISTRICT in JOWAI, MEGHALAYA. 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.