IFSC Code of Yes Bank, Sarat Bose Road, Kolkata Branch, West Bengal

If you are searching for the IFSC code of Yes Bank, SARAT BOSE ROAD, KOLKATA branch in KOLKATA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is YESB0001003. 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 SARAT BOSE ROAD, KOLKATA branch, and detailed step-by-step guides for using the IFSC YESB0001003 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Yes Bank – SARAT BOSE ROAD, KOLKATA is YESB0001003. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 001003 map to this branch in KOLKATA, WEST BENGAL.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Sarat Bose Road, Kolkata branch in Kolkata. 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, YESB0001003.

Sarat Bose Road, Kolkata branch overview

Located at YES BANK LTD, GROUND FLOOR, 6, SARAT BOSE ROAD, KOLKATA - 700020, the Sarat Bose Road, Kolkata branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0001003 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 SARAT BOSE ROAD, KOLKATA of Yes Bank — its own 11-character IFSC. The code YESB0001003 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 YESB0001003 the same way you would treat your account number — verify it once and save it carefully for future use.

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 YESB0001003 and the account number together uniquely identify the Sarat Bose Road, Kolkata branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0001003

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 YESB0001003 across all three.

How to use IFSC YESB0001003 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's SARAT BOSE ROAD, KOLKATA 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 YESB0001003.
4. Confirm the bank name auto-populates as Yes Bank and the branch as SARAT BOSE ROAD, KOLKATA.
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 SARAT BOSE ROAD, KOLKATA

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's SARAT BOSE ROAD, KOLKATA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0001003 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank SARAT BOSE ROAD, KOLKATA (IFSC YESB0001003)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0001003 in your mobile or internet banking app, and the money is credited to the SARAT BOSE ROAD, KOLKATA branch account within seconds.

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

All three modes accept the IFSC YESB0001003 for Yes Bank – SARAT BOSE ROAD, KOLKATA, 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 Sarat Bose Road, Kolkata 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 YESB0001003

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 – SARAT BOSE ROAD, KOLKATA is still mapped to IFSC YESB0001003. 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 YESB0001003 and the beneficiary's account number to complete the transfer.

Account types you can open at the Sarat Bose Road, Kolkata branch

Once you have an account at Yes Bank – SARAT BOSE ROAD, KOLKATA, the IFSC YESB0001003 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.

Products and services

Customers walking into the Sarat Bose Road, Kolkata 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 YESB0001003

Online banking and IFSC YESB0001003

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the SARAT BOSE ROAD, KOLKATA 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 YESB0001003 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 Sarat Bose Road, Kolkata branch sits at YES BANK LTD, GROUND FLOOR, 6, SARAT BOSE ROAD, KOLKATA - 700020. If you are travelling from outside Kolkata, search for the branch on a maps application using the bank name and locality, or call 18002000 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 YESB0001003 and your account number.

Common mistakes to avoid when using IFSC YESB0001003

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 – SARAT BOSE ROAD, KOLKATA, 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: YESB0001003.
• 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.

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 Sarat Bose Road, Kolkata branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0001003, however, work 24x7.

Verifying IFSC YESB0001003 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 YESB0001003 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 18002000.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0001003 is the IFSC code of Yes Bank, SARAT BOSE ROAD, KOLKATA branch, in KOLKATA, WEST BENGAL. 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.