IFSC Code of Yes Bank, United Merc Coop Bank Barra Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Yes Bank's UNITED MERC COOP BANK BARRA branch in KANPUR, UTTAR PRADESH. The branch's IFSC code YESB0UMCBVB 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Yes Bank's UNITED MERC COOP BANK BARRA branch, the IFSC YESB0UMCBVB breaks down as follows: YESB identifies the bank, 0 is the reserved character, and UMCBVB identifies this particular branch.

Branch details at a glance

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The United Merc Coop Bank Barra branch — IFSC YESB0UMCBVB — extends the bank's services to customers in and around Kanpur, Uttar Pradesh.

About this branch

The branch is located at PLOT NO. 33, BLOCK J, SCHEME HIG, VISHWA BANK, BARRA COLONY, BARRA, KANPUR - 208027. It serves the Kanpur 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 YESB0UMCBVB 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 UNITED MERC COOP BANK BARRA of Yes Bank — its own 11-character IFSC. The code YESB0UMCBVB 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 YESB0UMCBVB the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC YESB0UMCBVB

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 YESB0UMCBVB across all three.

NEFT to Yes Bank, UNITED MERC COOP BANK BARRA using IFSC YESB0UMCBVB

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 YESB0UMCBVB, and confirm that the system picks up Yes Bank – UNITED MERC COOP BANK BARRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to UNITED MERC COOP BANK BARRA

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's UNITED MERC COOP BANK BARRA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0UMCBVB while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank UNITED MERC COOP BANK BARRA (IFSC YESB0UMCBVB)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0UMCBVB in your mobile or internet banking app, and the money is credited to the UNITED MERC COOP BANK BARRA branch account within seconds.

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

All three modes accept the IFSC YESB0UMCBVB for Yes Bank – UNITED MERC COOP BANK BARRA, 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 United Merc Coop Bank Barra 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 YESB0UMCBVB

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 – UNITED MERC COOP BANK BARRA is still mapped to IFSC YESB0UMCBVB. 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 YESB0UMCBVB and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the United Merc Coop Bank Barra branch is mapped to IFSC YESB0UMCBVB 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 YESB0UMCBVB.

Products and services

Customers walking into the United Merc Coop Bank Barra 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 YESB0UMCBVB

MICR & cheque-truncation details

Cheques drawn on the United Merc Coop Bank Barra branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0UMCBVB 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 United Merc Coop Bank Barra 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 YESB0UMCBVB 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 YESB0UMCBVB

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 – UNITED MERC COOP BANK BARRA, 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: YESB0UMCBVB.
• 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 United Merc Coop Bank Barra branch

The branch is located at PLOT NO. 33, BLOCK J, SCHEME HIG, VISHWA BANK, BARRA COLONY, BARRA, KANPUR - 208027, which puts it inside Kanpur, the broader Kanpur City district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank United Merc Coop Bank Barra branch” — the verified location pin for IFSC YESB0UMCBVB should appear at the top of the results.
2. Confirm the branch is open by calling 9838502060 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 YESB0UMCBVB and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMCBVB for Yes Bank – UNITED MERC COOP BANK BARRA, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at United Merc Coop Bank Barra 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 YESB0UMCBVB continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0UMCBVB belongs to Yes Bank's UNITED MERC COOP BANK BARRA branch, located at PLOT NO. 33, BLOCK J, SCHEME HIG, VISHWA BANK, BARRA COLONY, BARRA, KANPUR -… in KANPUR, UTTAR PRADESH. 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.