Below are the complete branch details for Yes Bank, CITIZENS URBAN COOP BANK KURALI branch, located in KURALI, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is YESB0CB0011. 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 YESB0CB0011 for Yes Bank – CITIZENS URBAN COOP BANK KURALI — 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 KURALI branch, the IFSC YESB0CB0011 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and CB0011 identifies this particular branch.
Branch details at a glance
| Bank Name | Yes Bank |
|---|---|
| Branch | Citizens Urban Coop Bank Kurali |
| IFSC Code | YESB0CB0011 |
| MICR Code | Refer to cheque leaf |
| Branch Address | OPP SUB POST OFFICE, KURALI - 140103 |
| City | Kurali |
| District | Rupnagar |
| State | Punjab |
| STD Code | 181 |
| Phone | 5031576 |
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 Kurali branch in Kurali, Punjab is part of this network and uses the IFSC code YESB0CB0011 for all electronic settlement.
About this branch
The branch is located at OPP SUB POST OFFICE, KURALI - 140103. It serves the Kurali region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Yes Bank. The IFSC YESB0CB0011 is used to identify this branch on the RBI payments network.
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 KURALI branch came to be assigned the code YESB0CB0011.
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 YESB0CB0011, money simply cannot be routed to the CITIZENS URBAN COOP BANK KURALI branch electronically.
How to transfer money using IFSC YESB0CB0011
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 YESB0CB0011 across all three.
NEFT to Yes Bank, CITIZENS URBAN COOP BANK KURALI using IFSC YESB0CB0011
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 YESB0CB0011, and confirm that the system picks up Yes Bank – CITIZENS URBAN COOP BANK KURALI. 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 KURALI
If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS URBAN COOP BANK KURALI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CB0011 while initiating the transfer and the credit will appear within minutes.
IMPS to Yes Bank CITIZENS URBAN COOP BANK KURALI (IFSC YESB0CB0011)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CB0011 in your mobile or internet banking app, and the money is credited to the CITIZENS URBAN COOP BANK KURALI branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Citizens Urban Coop Bank Kurali
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 YESB0CB0011:
- 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 KURALI is still linked to IFSC YESB0CB0011.
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.
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 CITIZENS URBAN COOP BANK KURALI branch, the IFSC YESB0CB0011 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.
Products and account variants supported
Every account opened at the Citizens Urban Coop Bank Kurali branch is mapped to IFSC YESB0CB0011 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 YESB0CB0011.
Products and services
Customers walking into the Citizens Urban Coop Bank Kurali 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 YESB0CB0011
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 YESB0CB0011 and the account number together uniquely identify the Citizens Urban Coop Bank Kurali branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC YESB0CB0011
Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS URBAN COOP BANK KURALI 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 YESB0CB0011 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.
Common mistakes to avoid when using IFSC YESB0CB0011
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 – CITIZENS URBAN COOP BANK KURALI, 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:
YESB0CB0011. - 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.
Reaching the branch
The Citizens Urban Coop Bank Kurali branch sits at OPP SUB POST OFFICE, KURALI - 140103. If you are travelling from outside Kurali, search for the branch on a maps application using the bank name and locality, or call 181-5031576 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 YESB0CB0011 and your account number.
Verifying IFSC YESB0CB0011 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 YESB0CB0011 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 181-5031576.
- Visiting the bank's official branch locator page.
Working hours
Branch counters at Citizens Urban Coop Bank Kurali 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 YESB0CB0011 continue to work without interruption.
Branch address & contact
Yes BankCitizens Urban Coop Bank Kurali Branch
OPP SUB POST OFFICE, KURALI - 140103
Kurali, Punjab
Phone: 181-5031576
IFSC: YESB0CB0011
Frequently asked questions
Is IFSC YESB0CB0011 the same for all accounts at Citizens Urban Coop Bank Kurali branch?
Yes. The IFSC YESB0CB0011 is shared by every account held at Yes Bank's Citizens Urban Coop Bank Kurali branch. Only the account number changes from customer to customer.
What is the phone number of Yes Bank Citizens Urban Coop Bank Kurali branch?
You can reach the branch at 181-5031576 during regular banking hours.
How do I add Yes Bank Citizens Urban Coop Bank Kurali as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC YESB0CB0011, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC YESB0CB0011 valid for NEFT and RTGS?
Yes. IFSC YESB0CB0011 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Where is Yes Bank Citizens Urban Coop Bank Kurali branch located?
Yes Bank's Citizens Urban Coop Bank Kurali branch is located at OPP SUB POST OFFICE, KURALI - 140103, Kurali, Punjab.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Citizens Urban Coop Bank Kurali branch but serve different purposes.
Does Yes Bank Citizens Urban Coop Bank Kurali branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 181-5031576 to confirm.
Can I use IFSC YESB0CB0011 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC YESB0CB0011 to send funds instantly.
Summary
The IFSC code YESB0CB0011 belongs to Yes Bank's CITIZENS URBAN COOP BANK KURALI branch, located at OPP SUB POST OFFICE, KURALI - 140103 in KURALI, PUNJAB. 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.
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