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

Use this page as a one-stop reference for everything related to Yes Bank's UNITED MERC COOP BANK HALSEY ROAD branch in KANPUR, UTTAR PRADESH. The branch's IFSC code YESB0UMCBHR 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Yes Bank – UNITED MERC COOP BANK HALSEY ROAD is YESB0UMCBHR. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UMCBHR map to this branch in KANPUR, UTTAR PRADESH.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The United Merc Coop Bank Halsey Road branch — IFSC YESB0UMCBHR — extends the bank's services to customers in and around Kanpur, Uttar Pradesh.

About this branch

The branch is located at 76/44-A, HALSEY ROAD, KANPUR - 208001. 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 YESB0UMCBHR is used to identify this branch on the RBI payments network.

Branch details at a glance

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 HALSEY ROAD branch came to be assigned the code YESB0UMCBHR.

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 YESB0UMCBHR, money simply cannot be routed to the UNITED MERC COOP BANK HALSEY ROAD branch electronically.

MICR & cheque-truncation details

Cheques drawn on the United Merc Coop Bank Halsey Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0UMCBHR for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC YESB0UMCBHR

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 YESB0UMCBHR across all three.

How to use IFSC YESB0UMCBHR 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 HALSEY ROAD 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 YESB0UMCBHR.
4. Confirm the bank name auto-populates as Yes Bank and the branch as UNITED MERC COOP BANK HALSEY ROAD.
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 YESB0UMCBHR

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 HALSEY ROAD, ensure your bank's portal accepts IFSC YESB0UMCBHR while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank UNITED MERC COOP BANK HALSEY ROAD (IFSC YESB0UMCBHR)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0UMCBHR in your mobile or internet banking app, and the money is credited to the UNITED MERC COOP BANK HALSEY ROAD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to United Merc Coop Bank Halsey Road

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 YESB0UMCBHR:

• 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 HALSEY ROAD is still linked to IFSC YESB0UMCBHR.

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 YESB0UMCBHR

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 HALSEY ROAD is still mapped to IFSC YESB0UMCBHR. 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 YESB0UMCBHR and the beneficiary's account number to complete the transfer.

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

Once you have an account at Yes Bank – UNITED MERC COOP BANK HALSEY ROAD, the IFSC YESB0UMCBHR 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 Halsey Road 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 YESB0UMCBHR

Digital banking channels

Most day-to-day work that customers used to do at the United Merc Coop Bank Halsey Road 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 YESB0UMCBHR 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.

Reaching the branch

The United Merc Coop Bank Halsey Road branch sits at 76/44-A, HALSEY ROAD, 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 YESB0UMCBHR and your account number.

Common mistakes to avoid when using IFSC YESB0UMCBHR

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 HALSEY ROAD, 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: YESB0UMCBHR.
• 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.

Working hours

Branch counters at United Merc Coop Bank Halsey Road 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 YESB0UMCBHR continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMCBHR for Yes Bank – UNITED MERC COOP BANK HALSEY ROAD, 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 address & contact

Frequently asked questions

Final notes

To recap: YESB0UMCBHR is the IFSC code of Yes Bank, UNITED MERC COOP BANK HALSEY ROAD 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.