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

If you are searching for the IFSC code of Yes Bank, UNITED MERC COOP BANK LAL BANGLA branch in KANPUR, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is YESB0UMCBLB. 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 LAL BANGLA branch, and detailed step-by-step guides for using the IFSC YESB0UMCBLB 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, YESB0UMCBLB is the IFSC of Yes Bank's UNITED MERC COOP BANK LAL BANGLA branch. The format is fixed: YESB = bank code, 0 = reserved, UMCBLB = branch identifier.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The United Merc Coop Bank Lal Bangla branch — IFSC YESB0UMCBLB — extends the bank's services to customers in and around Kanpur, Uttar Pradesh.

About the United Merc Coop Bank Lal Bangla branch

The United Merc Coop Bank Lal Bangla branch of Yes Bank is situated at 67-A, PARDEVANPUR, LAL BANGLA, KANPUR - 208007. 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 YESB0UMCBLB is used.

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 LAL BANGLA branch came to be assigned the code YESB0UMCBLB.

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 YESB0UMCBLB, money simply cannot be routed to the UNITED MERC COOP BANK LAL BANGLA branch electronically.

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 YESB0UMCBLB and the account number together uniquely identify the United Merc Coop Bank Lal Bangla branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0UMCBLB

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 YESB0UMCBLB across all three.

NEFT to Yes Bank, UNITED MERC COOP BANK LAL BANGLA using IFSC YESB0UMCBLB

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 YESB0UMCBLB, and confirm that the system picks up Yes Bank – UNITED MERC COOP BANK LAL BANGLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0UMCBLB

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 LAL BANGLA, ensure your bank's portal accepts IFSC YESB0UMCBLB 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 LAL BANGLA, use IMPS. With IFSC YESB0UMCBLB 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 YESB0UMCBLB for Yes Bank – UNITED MERC COOP BANK LAL BANGLA, 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 Lal Bangla 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 YESB0UMCBLB

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 LAL BANGLA is still mapped to IFSC YESB0UMCBLB. 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 YESB0UMCBLB and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the United Merc Coop Bank Lal Bangla branch is mapped to IFSC YESB0UMCBLB 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 YESB0UMCBLB.

Products and services

Customers walking into the United Merc Coop Bank Lal Bangla 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 YESB0UMCBLB

Online banking and IFSC YESB0UMCBLB

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the UNITED MERC COOP BANK LAL BANGLA 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 YESB0UMCBLB 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.

Reaching the branch

The United Merc Coop Bank Lal Bangla branch sits at 67-A, PARDEVANPUR, LAL BANGLA, KANPUR - 208007. 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 YESB0UMCBLB and your account number.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Yes Bank – UNITED MERC COOP BANK LAL BANGLA:

• The IFSC is exactly YESB0UMCBLB with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills Yes Bank as the bank name and UNITED MERC COOP BANK LAL BANGLA as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

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 Lal Bangla branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0UMCBLB, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMCBLB for Yes Bank – UNITED MERC COOP BANK LAL BANGLA, 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

Summary

The IFSC code YESB0UMCBLB belongs to Yes Bank's UNITED MERC COOP BANK LAL BANGLA branch, located at 67-A, PARDEVANPUR, LAL BANGLA, KANPUR - 208007 in KANPUR, UTTAR PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.