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

Use this page as a one-stop reference for everything related to Yes Bank's UNITED MERC COOP BANK RAWATPUR branch in KANPUR, UTTAR PRADESH. The branch's IFSC code YESB0UMCBRP 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.

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, YESB0UMCBRP is the IFSC of Yes Bank's UNITED MERC COOP BANK RAWATPUR branch. The format is fixed: YESB = bank code, 0 = reserved, UMCBRP = branch identifier.

Branch details at a glance

About Yes Bank

Yes Bank operates a wide network of branches across India, including the United Merc Coop Bank Rawatpur 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, YESB0UMCBRP.

About the United Merc Coop Bank Rawatpur branch

The United Merc Coop Bank Rawatpur branch of Yes Bank is situated at 116/974/32-A, ADARSH NAGAR, RAWATPUR, KANPUR - 208019. 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 YESB0UMCBRP 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 RAWATPUR of Yes Bank — its own 11-character IFSC. The code YESB0UMCBRP 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 YESB0UMCBRP 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 YESB0UMCBRP

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 YESB0UMCBRP across all three.

How to use IFSC YESB0UMCBRP 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 RAWATPUR 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 YESB0UMCBRP.
4. Confirm the bank name auto-populates as Yes Bank and the branch as UNITED MERC COOP BANK RAWATPUR.
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 YESB0UMCBRP

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 RAWATPUR, ensure your bank's portal accepts IFSC YESB0UMCBRP while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank UNITED MERC COOP BANK RAWATPUR (IFSC YESB0UMCBRP)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0UMCBRP in your mobile or internet banking app, and the money is credited to the UNITED MERC COOP BANK RAWATPUR branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC YESB0UMCBRP for Yes Bank – UNITED MERC COOP BANK RAWATPUR, 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 Rawatpur 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Yes Bank's UNITED MERC COOP BANK RAWATPUR branch, the IFSC YESB0UMCBRP is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

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

Once you have an account at Yes Bank – UNITED MERC COOP BANK RAWATPUR, the IFSC YESB0UMCBRP 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.

Banking services available

The United Merc Coop Bank Rawatpur 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 YESB0UMCBRP

MICR & cheque-truncation details

Cheques drawn on the United Merc Coop Bank Rawatpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0UMCBRP for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the United Merc Coop Bank Rawatpur 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 YESB0UMCBRP 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.

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 RAWATPUR:

• The IFSC is exactly YESB0UMCBRP 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 RAWATPUR 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.

Reaching the branch

The United Merc Coop Bank Rawatpur branch sits at 116/974/32-A, ADARSH NAGAR, RAWATPUR, KANPUR - 208019. 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 YESB0UMCBRP and your account number.

Verifying IFSC YESB0UMCBRP from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm YESB0UMCBRP by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9838502060.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at United Merc Coop Bank Rawatpur 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 YESB0UMCBRP continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0UMCBRP is the IFSC code of Yes Bank, UNITED MERC COOP BANK RAWATPUR 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.