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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, UNITED MERC COOP BANK COLONELGANJ branch in KANPUR. The 11-digit IFSC YESB0UMCBCG uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Yes Bank at the UNITED MERC COOP BANK COLONELGANJ location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 COLONELGANJ branch, the IFSC YESB0UMCBCG breaks down as follows: YESB identifies the bank, 0 is the reserved character, and UMCBCG identifies this particular branch.

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 United Merc Coop Bank Colonelganj branch in Kanpur, Uttar Pradesh is part of this network and uses the IFSC code YESB0UMCBCG for all electronic settlement.

About the United Merc Coop Bank Colonelganj branch

The United Merc Coop Bank Colonelganj branch of Yes Bank is situated at 96/2, STAR PRESS BUILDING, COLONELGANJ, KANPUR - 208001. 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 YESB0UMCBCG 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 UNITED MERC COOP BANK COLONELGANJ branch came to be assigned the code YESB0UMCBCG.

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 YESB0UMCBCG, money simply cannot be routed to the UNITED MERC COOP BANK COLONELGANJ branch electronically.

How to transfer money using IFSC YESB0UMCBCG

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 YESB0UMCBCG across all three.

How to use IFSC YESB0UMCBCG for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's UNITED MERC COOP BANK COLONELGANJ 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 YESB0UMCBCG.
4. Confirm the bank name auto-populates as Yes Bank and the branch as UNITED MERC COOP BANK COLONELGANJ.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC YESB0UMCBCG

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 COLONELGANJ, ensure your bank's portal accepts IFSC YESB0UMCBCG 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 COLONELGANJ, use IMPS. With IFSC YESB0UMCBCG 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 YESB0UMCBCG for Yes Bank – UNITED MERC COOP BANK COLONELGANJ, 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 Colonelganj 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 YESB0UMCBCG

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 COLONELGANJ is still mapped to IFSC YESB0UMCBCG. 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 YESB0UMCBCG and the beneficiary's account number to complete the transfer.

Account types you can open at the United Merc Coop Bank Colonelganj branch

Once you have an account at Yes Bank – UNITED MERC COOP BANK COLONELGANJ, the IFSC YESB0UMCBCG 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.

Products and services

Customers walking into the United Merc Coop Bank Colonelganj 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 YESB0UMCBCG

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 YESB0UMCBCG and the account number together uniquely identify the United Merc Coop Bank Colonelganj branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC YESB0UMCBCG

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the UNITED MERC COOP BANK COLONELGANJ 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 YESB0UMCBCG 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.

Common mistakes to avoid when using IFSC YESB0UMCBCG

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 COLONELGANJ, 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: YESB0UMCBCG.
• 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 Colonelganj branch

The branch is located at 96/2, STAR PRESS BUILDING, COLONELGANJ, KANPUR - 208001, 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 Colonelganj branch” — the verified location pin for IFSC YESB0UMCBCG 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 YESB0UMCBCG and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMCBCG for Yes Bank – UNITED MERC COOP BANK COLONELGANJ, 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.

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 Colonelganj branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0UMCBCG, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0UMCBCG is the IFSC code of Yes Bank, UNITED MERC COOP BANK COLONELGANJ branch, in KANPUR, UTTAR PRADESH. 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.