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

Use this page as a one-stop reference for everything related to Yes Bank's UNITED MERC COOP BANK CIVIL LINES branch in KANPUR, UTTAR PRADESH. The branch's IFSC code YESB0UMCBCL 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, YESB0UMCBCL is the IFSC of Yes Bank's UNITED MERC COOP BANK CIVIL LINES branch. The format is fixed: YESB = bank code, 0 = reserved, UMCBCL = branch identifier.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The United Merc Coop Bank Civil Lines branch — IFSC YESB0UMCBCL — extends the bank's services to customers in and around Kanpur, Uttar Pradesh.

Branch details at a glance

United Merc Coop Bank Civil Lines branch overview

Located at 13/394, CIVIL LINES, KANPUR - 208001, the United Merc Coop Bank Civil Lines branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0UMCBCL is required for all interbank electronic transfers routed through this branch.

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 CIVIL LINES of Yes Bank — its own 11-character IFSC. The code YESB0UMCBCL 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 YESB0UMCBCL the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the United Merc Coop Bank Civil Lines branch is mapped to IFSC YESB0UMCBCL 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 YESB0UMCBCL.

Products and services

Customers walking into the United Merc Coop Bank Civil Lines 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 YESB0UMCBCL

How to transfer money using IFSC YESB0UMCBCL

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 YESB0UMCBCL across all three.

NEFT to Yes Bank, UNITED MERC COOP BANK CIVIL LINES using IFSC YESB0UMCBCL

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 YESB0UMCBCL, and confirm that the system picks up Yes Bank – UNITED MERC COOP BANK CIVIL LINES. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0UMCBCL

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 – UNITED MERC COOP BANK CIVIL LINES, ensure your bank's portal accepts IFSC YESB0UMCBCL while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – UNITED MERC COOP BANK CIVIL LINES, use IMPS. With IFSC YESB0UMCBCL 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 YESB0UMCBCL for Yes Bank – UNITED MERC COOP BANK CIVIL LINES, 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 Civil Lines 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.

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 UNITED MERC COOP BANK CIVIL LINES branch, the IFSC YESB0UMCBCL 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 United Merc Coop Bank Civil Lines 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 YESB0UMCBCL 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 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 YESB0UMCBCL and the account number together uniquely identify the United Merc Coop Bank Civil Lines branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – UNITED MERC COOP BANK CIVIL LINES:

• The IFSC is exactly YESB0UMCBCL 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 UNITED MERC COOP BANK CIVIL LINES 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 United Merc Coop Bank Civil Lines branch sits at 13/394, CIVIL LINES, KANPUR - 208001. If you are travelling from outside Kanpur, search for the branch on a maps application using the bank name and locality, or call 9838502060 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 YESB0UMCBCL and your account number.

Verifying IFSC YESB0UMCBCL 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 YESB0UMCBCL by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9838502060.
• 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 United Merc Coop Bank Civil Lines branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0UMCBCL, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0UMCBCL belongs to Yes Bank's UNITED MERC COOP BANK CIVIL LINES branch, located at 13/394, CIVIL LINES, KANPUR - 208001 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.