IFSC Code of Yes Bank, Citizens Urban Coop Bank Kapurthala Branch, Punjab

Below are the complete branch details for Yes Bank, CITIZENS URBAN COOP BANK KAPURTHALA branch, located in KAPURTHALA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is YESB0CB0015. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case YESB0CB0015 for Yes Bank – CITIZENS URBAN COOP BANK KAPURTHALA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Yes Bank's CITIZENS URBAN COOP BANK KAPURTHALA branch, the IFSC YESB0CB0015 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and CB0015 identifies this particular branch.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Citizens Urban Coop Bank Kapurthala branch in Kapurthala, Punjab is part of this network and uses the IFSC code YESB0CB0015 for all electronic settlement.

Citizens Urban Coop Bank Kapurthala branch overview

Located at PATEL NGR PEER CHOWDARY BYE PASS KAPURTHALA 144601, the Citizens Urban Coop Bank Kapurthala branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0CB0015 is required for all interbank electronic transfers routed through this branch.

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 CITIZENS URBAN COOP BANK KAPURTHALA branch came to be assigned the code YESB0CB0015.

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 YESB0CB0015, money simply cannot be routed to the CITIZENS URBAN COOP BANK KAPURTHALA branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Citizens Urban Coop Bank Kapurthala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CB0015 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 YESB0CB0015

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 YESB0CB0015 across all three.

NEFT to Yes Bank, CITIZENS URBAN COOP BANK KAPURTHALA using IFSC YESB0CB0015

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 YESB0CB0015, and confirm that the system picks up Yes Bank – CITIZENS URBAN COOP BANK KAPURTHALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to CITIZENS URBAN COOP BANK KAPURTHALA

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS URBAN COOP BANK KAPURTHALA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CB0015 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 – CITIZENS URBAN COOP BANK KAPURTHALA, use IMPS. With IFSC YESB0CB0015 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Citizens Urban Coop Bank Kapurthala

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 YESB0CB0015:

• 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 CITIZENS URBAN COOP BANK KAPURTHALA is still linked to IFSC YESB0CB0015.

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 YESB0CB0015

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 – CITIZENS URBAN COOP BANK KAPURTHALA is still mapped to IFSC YESB0CB0015. 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 YESB0CB0015 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Citizens Urban Coop Bank Kapurthala branch is mapped to IFSC YESB0CB0015 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 YESB0CB0015.

Banking services available

The Citizens Urban Coop Bank Kapurthala branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1822-232345.

• 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 YESB0CB0015

Digital banking channels

Most day-to-day work that customers used to do at the Citizens Urban Coop Bank Kapurthala 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 YESB0CB0015 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 Citizens Urban Coop Bank Kapurthala branch sits at PATEL NGR PEER CHOWDARY BYE PASS KAPURTHALA 144601. If you are travelling from outside Kapurthala, search for the branch on a maps application using the bank name and locality, or call 1822-232345 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 YESB0CB0015 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 – CITIZENS URBAN COOP BANK KAPURTHALA:

• The IFSC is exactly YESB0CB0015 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 CITIZENS URBAN COOP BANK KAPURTHALA 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.

Working hours

Branch counters at Citizens Urban Coop Bank Kapurthala 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 YESB0CB0015 continue to work without interruption.

Verifying IFSC YESB0CB0015 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 YESB0CB0015 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1822-232345.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0CB0015 is the IFSC code of Yes Bank, CITIZENS URBAN COOP BANK KAPURTHALA branch, in KAPURTHALA, PUNJAB. 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.