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

If you are searching for the IFSC code of Yes Bank, UNITED MERC COOP BANK KIDWAI NAGAR branch in KANPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is YESB0UMCBKD. 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 KIDWAI NAGAR branch, and detailed step-by-step guides for using the IFSC YESB0UMCBKD 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, YESB0UMCBKD is the IFSC of Yes Bank's UNITED MERC COOP BANK KIDWAI NAGAR branch. The format is fixed: YESB = bank code, 0 = reserved, UMCBKD = branch identifier.

Branch details at a glance

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The United Merc Coop Bank Kidwai Nagar branch — IFSC YESB0UMCBKD — extends the bank's services to customers in and around Kanpur, Uttar Pradesh.

United Merc Coop Bank Kidwai Nagar branch overview

Located at 128/26, D BLOCK, KIDWAI NAGAR, KANPUR - 208011, the United Merc Coop Bank Kidwai Nagar branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0UMCBKD is required for all interbank electronic transfers routed through this branch.

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 KIDWAI NAGAR branch came to be assigned the code YESB0UMCBKD.

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 YESB0UMCBKD, money simply cannot be routed to the UNITED MERC COOP BANK KIDWAI NAGAR branch electronically.

How to transfer money using IFSC YESB0UMCBKD

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 YESB0UMCBKD across all three.

How to use IFSC YESB0UMCBKD 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 KIDWAI NAGAR 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 YESB0UMCBKD.
4. Confirm the bank name auto-populates as Yes Bank and the branch as UNITED MERC COOP BANK KIDWAI NAGAR.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to UNITED MERC COOP BANK KIDWAI NAGAR

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's UNITED MERC COOP BANK KIDWAI NAGAR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0UMCBKD while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank UNITED MERC COOP BANK KIDWAI NAGAR (IFSC YESB0UMCBKD)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0UMCBKD in your mobile or internet banking app, and the money is credited to the UNITED MERC COOP BANK KIDWAI NAGAR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to United Merc Coop Bank Kidwai Nagar

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 YESB0UMCBKD:

• 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 KIDWAI NAGAR is still linked to IFSC YESB0UMCBKD.

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 YESB0UMCBKD

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 KIDWAI NAGAR is still mapped to IFSC YESB0UMCBKD. 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 YESB0UMCBKD and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the United Merc Coop Bank Kidwai Nagar branch is mapped to IFSC YESB0UMCBKD 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 YESB0UMCBKD.

Products and services

Customers walking into the United Merc Coop Bank Kidwai Nagar 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 YESB0UMCBKD

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 YESB0UMCBKD and the account number together uniquely identify the United Merc Coop Bank Kidwai Nagar branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the United Merc Coop Bank Kidwai Nagar 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 YESB0UMCBKD 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.

Common mistakes to avoid when using IFSC YESB0UMCBKD

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 KIDWAI NAGAR, 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: YESB0UMCBKD.
• 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 Kidwai Nagar branch

The branch is located at 128/26, D BLOCK, KIDWAI NAGAR, KANPUR - 208011, 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 Kidwai Nagar branch” — the verified location pin for IFSC YESB0UMCBKD 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 YESB0UMCBKD and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMCBKD for Yes Bank – UNITED MERC COOP BANK KIDWAI NAGAR, 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 Kidwai Nagar branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0UMCBKD, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0UMCBKD is the IFSC code of Yes Bank, UNITED MERC COOP BANK KIDWAI NAGAR 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.