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

If you are searching for the IFSC code of Yes Bank, UNITED MERC COOP BANK DARSHAN PURWA branch in KANPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is YESB0UMCBDP. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the UNITED MERC COOP BANK DARSHAN PURWA branch, and detailed step-by-step guides for using the IFSC YESB0UMCBDP across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, YESB0UMCBDP is the IFSC of Yes Bank's UNITED MERC COOP BANK DARSHAN PURWA branch. The format is fixed: YESB = bank code, 0 = reserved, UMCBDP = branch identifier.

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 Darshan Purwa branch in Kanpur, Uttar Pradesh is part of this network and uses the IFSC code YESB0UMCBDP for all electronic settlement.

About the United Merc Coop Bank Darshan Purwa branch

The United Merc Coop Bank Darshan Purwa branch of Yes Bank is situated at 118/327, KAUSHALPURI, GUMTI NO. 5, KANPUR - 208012. 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 YESB0UMCBDP is used.

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 DARSHAN PURWA of Yes Bank — its own 11-character IFSC. The code YESB0UMCBDP 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 YESB0UMCBDP 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 YESB0UMCBDP

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 YESB0UMCBDP across all three.

NEFT to Yes Bank, UNITED MERC COOP BANK DARSHAN PURWA using IFSC YESB0UMCBDP

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 YESB0UMCBDP, and confirm that the system picks up Yes Bank – UNITED MERC COOP BANK DARSHAN PURWA. 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 DARSHAN PURWA

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's UNITED MERC COOP BANK DARSHAN PURWA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0UMCBDP while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank UNITED MERC COOP BANK DARSHAN PURWA (IFSC YESB0UMCBDP)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0UMCBDP in your mobile or internet banking app, and the money is credited to the UNITED MERC COOP BANK DARSHAN PURWA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to United Merc Coop Bank Darshan Purwa

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC YESB0UMCBDP:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at UNITED MERC COOP BANK DARSHAN PURWA is still linked to IFSC YESB0UMCBDP.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC YESB0UMCBDP

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 DARSHAN PURWA is still mapped to IFSC YESB0UMCBDP. 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 YESB0UMCBDP and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the United Merc Coop Bank Darshan Purwa branch is mapped to IFSC YESB0UMCBDP 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 YESB0UMCBDP.

Banking services available

The United Merc Coop Bank Darshan Purwa branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9838502060.

• 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 YESB0UMCBDP

MICR & cheque-truncation details

Cheques drawn on the United Merc Coop Bank Darshan Purwa branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0UMCBDP for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC YESB0UMCBDP

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the UNITED MERC COOP BANK DARSHAN PURWA 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 YESB0UMCBDP 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 YESB0UMCBDP

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 DARSHAN PURWA, 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: YESB0UMCBDP.
• 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.

Reaching the branch

The United Merc Coop Bank Darshan Purwa branch sits at 118/327, KAUSHALPURI, GUMTI NO. 5, KANPUR - 208012. 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 YESB0UMCBDP and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMCBDP for Yes Bank – UNITED MERC COOP BANK DARSHAN PURWA, 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 Darshan Purwa 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 YESB0UMCBDP continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0UMCBDP is the IFSC code of Yes Bank, UNITED MERC COOP BANK DARSHAN PURWA 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.