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

If you are searching for the IFSC code of Yes Bank, UNITED MERC COOP BANK HEAD OFFICE branch in KANPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is YESB0UMCBHO. 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 HEAD OFFICE branch, and detailed step-by-step guides for using the IFSC YESB0UMCBHO 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.

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 HEAD OFFICE is YESB0UMCBHO. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters UMCBHO map to this branch in KANPUR, UTTAR PRADESH.

Branch details at a glance

About Yes Bank

Yes Bank operates a wide network of branches across India, including the United Merc Coop Bank Head Office branch in Kanpur. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, YESB0UMCBHO.

United Merc Coop Bank Head Office branch overview

Located at 106/382, 2ND FLOOR, GANDHI NAGAR, P ROAD, KANPUR - 208012, the United Merc Coop Bank Head Office branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0UMCBHO 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 HEAD OFFICE of Yes Bank — its own 11-character IFSC. The code YESB0UMCBHO 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 YESB0UMCBHO 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 YESB0UMCBHO

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 YESB0UMCBHO across all three.

NEFT to Yes Bank, UNITED MERC COOP BANK HEAD OFFICE using IFSC YESB0UMCBHO

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 YESB0UMCBHO, and confirm that the system picks up Yes Bank – UNITED MERC COOP BANK HEAD OFFICE. 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 HEAD OFFICE

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's UNITED MERC COOP BANK HEAD OFFICE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0UMCBHO while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – UNITED MERC COOP BANK HEAD OFFICE, use IMPS. With IFSC YESB0UMCBHO 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 YESB0UMCBHO for Yes Bank – UNITED MERC COOP BANK HEAD OFFICE, 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 Head Office 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 YESB0UMCBHO

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 HEAD OFFICE is still mapped to IFSC YESB0UMCBHO. 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 YESB0UMCBHO and the beneficiary's account number to complete the transfer.

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

Once you have an account at Yes Bank – UNITED MERC COOP BANK HEAD OFFICE, the IFSC YESB0UMCBHO 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 Head Office 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 YESB0UMCBHO

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 YESB0UMCBHO and the account number together uniquely identify the United Merc Coop Bank Head Office branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC YESB0UMCBHO

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the UNITED MERC COOP BANK HEAD OFFICE 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 YESB0UMCBHO 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 YESB0UMCBHO

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 HEAD OFFICE, 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: YESB0UMCBHO.
• 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 Head Office branch sits at 106/382, 2ND FLOOR, GANDHI NAGAR, P ROAD, 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 YESB0UMCBHO and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMCBHO for Yes Bank – UNITED MERC COOP BANK HEAD OFFICE, 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 Head Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0UMCBHO, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0UMCBHO is the IFSC code of Yes Bank, UNITED MERC COOP BANK HEAD OFFICE 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.