Use this page as a one-stop reference for everything related to Yes Bank's KODOLI URBAN COOP BANK LTD KALE branch in KALE, MAHARASHTRA. The branch's IFSC code YESB0KUBL03 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, YESB0KUBL03 is the IFSC of Yes Bank's KODOLI URBAN COOP BANK LTD KALE branch. The format is fixed: YESB = bank code, 0 = reserved, KUBL03 = branch identifier.
Bank profile
Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kodoli Urban Coop Bank Ltd Kale branch — IFSC YESB0KUBL03 — extends the bank's services to customers in and around Kale, Maharashtra.
Branch details at a glance
| Bank Name | Yes Bank |
|---|---|
| Branch | Kodoli Urban Coop Bank Ltd Kale |
| IFSC Code | YESB0KUBL03 |
| MICR Code | Refer to cheque leaf |
| Branch Address | A P KALE, TAL PANHALA, KOLHAPUR 416205 |
| City | Kale |
| District | Kolhapur |
| State | Maharashtra |
| STD Code | 2328 |
| Phone | 232048 |
About this branch
The branch is located at A P KALE, TAL PANHALA, KOLHAPUR 416205. It serves the Kale 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 YESB0KUBL03 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 KODOLI URBAN COOP BANK LTD KALE of Yes Bank — its own 11-character IFSC. The code YESB0KUBL03 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 YESB0KUBL03 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 Kodoli Urban Coop Bank Ltd Kale branch
Once you have an account at Yes Bank – KODOLI URBAN COOP BANK LTD KALE, the IFSC YESB0KUBL03 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 Kodoli Urban Coop Bank Ltd Kale branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2328-232048.
- 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 YESB0KUBL03
How to transfer money using IFSC YESB0KUBL03
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 YESB0KUBL03 across all three.
NEFT to Yes Bank, KODOLI URBAN COOP BANK LTD KALE using IFSC YESB0KUBL03
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 YESB0KUBL03, and confirm that the system picks up Yes Bank – KODOLI URBAN COOP BANK LTD KALE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC YESB0KUBL03
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Yes Bank – KODOLI URBAN COOP BANK LTD KALE, ensure your bank's portal accepts IFSC YESB0KUBL03 while registering the beneficiary. RTGS is also available 24x7.
IMPS to Yes Bank KODOLI URBAN COOP BANK LTD KALE (IFSC YESB0KUBL03)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0KUBL03 in your mobile or internet banking app, and the money is credited to the KODOLI URBAN COOP BANK LTD KALE branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC YESB0KUBL03 for Yes Bank – KODOLI URBAN COOP BANK LTD KALE, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – YESB0KUBL03 | Yes – YESB0KUBL03 | Yes – YESB0KUBL03 |
For most retail customers crediting the Kodoli Urban Coop Bank Ltd Kale 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 YESB0KUBL03
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 – KODOLI URBAN COOP BANK LTD KALE is still mapped to IFSC YESB0KUBL03. 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 YESB0KUBL03 and the beneficiary's account number to complete the transfer.
Online banking and IFSC YESB0KUBL03
Yes Bank customers can register for net banking and the bank's official mobile app once their account at the KODOLI URBAN COOP BANK LTD KALE 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 YESB0KUBL03 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 Kodoli Urban Coop Bank Ltd Kale branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0KUBL03 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 – KODOLI URBAN COOP BANK LTD KALE:
- The IFSC is exactly YESB0KUBL03 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 KODOLI URBAN COOP BANK LTD KALE 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 Kodoli Urban Coop Bank Ltd Kale branch sits at A P KALE, TAL PANHALA, KOLHAPUR 416205. If you are travelling from outside Kale, search for the branch on a maps application using the bank name and locality, or call 2328-232048 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 YESB0KUBL03 and your account number.
Verifying IFSC YESB0KUBL03 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 YESB0KUBL03 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 2328-232048.
- 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 Kodoli Urban Coop Bank Ltd Kale branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0KUBL03, however, work 24x7.
Branch address & contact
Yes BankKodoli Urban Coop Bank Ltd Kale Branch
A P KALE, TAL PANHALA, KOLHAPUR 416205
Kale, Maharashtra
Phone: 2328-232048
IFSC: YESB0KUBL03
Frequently asked questions
Can I use IFSC YESB0KUBL03 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC YESB0KUBL03 to send funds instantly.
Where is Yes Bank Kodoli Urban Coop Bank Ltd Kale branch located?
Yes Bank's Kodoli Urban Coop Bank Ltd Kale branch is located at A P KALE, TAL PANHALA, KOLHAPUR 416205, Kale, Maharashtra.
What is the phone number of Yes Bank Kodoli Urban Coop Bank Ltd Kale branch?
You can reach the branch at 2328-232048 during regular banking hours.
Is IFSC YESB0KUBL03 the same for all accounts at Kodoli Urban Coop Bank Ltd Kale branch?
Yes. The IFSC YESB0KUBL03 is shared by every account held at Yes Bank's Kodoli Urban Coop Bank Ltd Kale branch. Only the account number changes from customer to customer.
What is the IFSC code of Yes Bank Kodoli Urban Coop Bank Ltd Kale branch?
The IFSC code of Yes Bank, Kodoli Urban Coop Bank Ltd Kale branch is YESB0KUBL03. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Does Yes Bank Kodoli Urban Coop Bank Ltd Kale branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 2328-232048 to confirm.
How quickly will an NEFT transfer using YESB0KUBL03 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Yes Bank – Kodoli Urban Coop Bank Ltd Kale reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Kodoli Urban Coop Bank Ltd Kale branch but serve different purposes.
Final notes
To recap: YESB0KUBL03 is the IFSC code of Yes Bank, KODOLI URBAN COOP BANK LTD KALE branch, in KALE, MAHARASHTRA. 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.
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