IFSC Code of Yes Bank, Vishwakarma Sah Bank Karkala Branch, Karnataka

If you are searching for the IFSC code of Yes Bank, VISHWAKARMA SAH BANK KARKALA branch in KARKALA, KARNATAKA, this page has every detail you need. The verified IFSC code for this branch is YESB0VISB02. 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 VISHWAKARMA SAH BANK KARKALA branch, and detailed step-by-step guides for using the IFSC YESB0VISB02 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.

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 VISHWAKARMA SAH BANK KARKALA branch, the IFSC YESB0VISB02 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and VISB02 identifies this particular branch.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Vishwakarma Sah Bank Karkala branch in Karkala. 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, YESB0VISB02.

Branch details at a glance

About the Vishwakarma Sah Bank Karkala branch

The Vishwakarma Sah Bank Karkala branch of Yes Bank is situated at KARLA COMPLEX NEAR BUS STAND KARKALA 574104. 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 YESB0VISB02 is used.

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 VISHWAKARMA SAH BANK KARKALA branch came to be assigned the code YESB0VISB02.

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 YESB0VISB02, money simply cannot be routed to the VISHWAKARMA SAH BANK KARKALA branch electronically.

Products and account variants supported

Every account opened at the Vishwakarma Sah Bank Karkala branch is mapped to IFSC YESB0VISB02 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 YESB0VISB02.

Products and services

Customers walking into the Vishwakarma Sah Bank Karkala 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 YESB0VISB02

How to transfer money using IFSC YESB0VISB02

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 YESB0VISB02 across all three.

NEFT to Yes Bank, VISHWAKARMA SAH BANK KARKALA using IFSC YESB0VISB02

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 YESB0VISB02, and confirm that the system picks up Yes Bank – VISHWAKARMA SAH BANK KARKALA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0VISB02

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 – VISHWAKARMA SAH BANK KARKALA, ensure your bank's portal accepts IFSC YESB0VISB02 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – VISHWAKARMA SAH BANK KARKALA, use IMPS. With IFSC YESB0VISB02 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 YESB0VISB02 for Yes Bank – VISHWAKARMA SAH BANK KARKALA, 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 Vishwakarma Sah Bank Karkala 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 VISHWAKARMA SAH BANK KARKALA branch, the IFSC YESB0VISB02 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.

Online banking and IFSC YESB0VISB02

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the VISHWAKARMA SAH BANK KARKALA 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 YESB0VISB02 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.

MICR & cheque-truncation details

Cheques drawn on the Vishwakarma Sah Bank Karkala branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0VISB02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – VISHWAKARMA SAH BANK KARKALA:

• The IFSC is exactly YESB0VISB02 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 VISHWAKARMA SAH BANK KARKALA 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.

How to reach the Vishwakarma Sah Bank Karkala branch

The branch is located at KARLA COMPLEX NEAR BUS STAND KARKALA 574104, which puts it inside Karkala, the broader Udipi district, and the state of Karnataka. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Vishwakarma Sah Bank Karkala branch” — the verified location pin for IFSC YESB0VISB02 should appear at the top of the results.
2. Confirm the branch is open by calling 8884433603 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 YESB0VISB02 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0VISB02 for Yes Bank – VISHWAKARMA SAH BANK KARKALA, 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.

Working hours

Branch counters at Vishwakarma Sah Bank Karkala 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 YESB0VISB02 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0VISB02 is the IFSC code of Yes Bank, VISHWAKARMA SAH BANK KARKALA branch, in KARKALA, KARNATAKA. 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.