IFSC Code of Yes Bank, Hcbl Coop Bank Ltd Sahara Estates Branch, Uttar Pradesh

If you are searching for the IFSC code of Yes Bank, HCBL COOP BANK LTD SAHARA ESTATES branch in LUCKNOW, UTTAR PRADESH, this page has every detail you need. The verified IFSC code for this branch is YESB0HCBL99. 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 HCBL COOP BANK LTD SAHARA ESTATES branch, and detailed step-by-step guides for using the IFSC YESB0HCBL99 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 – HCBL COOP BANK LTD SAHARA ESTATES is YESB0HCBL99. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters HCBL99 map to this branch in LUCKNOW, UTTAR PRADESH.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Hcbl Coop Bank Ltd Sahara Estates branch in Lucknow, Uttar Pradesh is part of this network and uses the IFSC code YESB0HCBL99 for all electronic settlement.

Branch details at a glance

About this branch

The branch is located at LPC COLLEGE, SAHARA ESTATE, JANKIPURAM, LUCKNOW - 226021. It serves the Lucknow 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 YESB0HCBL99 is used to identify this branch on the RBI payments network.

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 HCBL COOP BANK LTD SAHARA ESTATES of Yes Bank — its own 11-character IFSC. The code YESB0HCBL99 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 YESB0HCBL99 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Hcbl Coop Bank Ltd Sahara Estates branch is mapped to IFSC YESB0HCBL99 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 YESB0HCBL99.

Banking services available

The Hcbl Coop Bank Ltd Sahara Estates branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9721112759.

• 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 YESB0HCBL99

How to transfer money using IFSC YESB0HCBL99

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 YESB0HCBL99 across all three.

How to use IFSC YESB0HCBL99 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's HCBL COOP BANK LTD SAHARA ESTATES 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 YESB0HCBL99.
4. Confirm the bank name auto-populates as Yes Bank and the branch as HCBL COOP BANK LTD SAHARA ESTATES.
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 HCBL COOP BANK LTD SAHARA ESTATES

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's HCBL COOP BANK LTD SAHARA ESTATES branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0HCBL99 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 – HCBL COOP BANK LTD SAHARA ESTATES, use IMPS. With IFSC YESB0HCBL99 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 Hcbl Coop Bank Ltd Sahara Estates

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 YESB0HCBL99:

• 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 HCBL COOP BANK LTD SAHARA ESTATES is still linked to IFSC YESB0HCBL99.

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 HCBL COOP BANK LTD SAHARA ESTATES branch, the IFSC YESB0HCBL99 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.

Digital banking channels

Most day-to-day work that customers used to do at the Hcbl Coop Bank Ltd Sahara Estates 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 YESB0HCBL99 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.

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 YESB0HCBL99 and the account number together uniquely identify the Hcbl Coop Bank Ltd Sahara Estates branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC YESB0HCBL99

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 – HCBL COOP BANK LTD SAHARA ESTATES, 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: YESB0HCBL99.
• 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.

How to reach the Hcbl Coop Bank Ltd Sahara Estates branch

The branch is located at LPC COLLEGE, SAHARA ESTATE, JANKIPURAM, LUCKNOW - 226021, which puts it inside Lucknow, the broader Lucknow district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Hcbl Coop Bank Ltd Sahara Estates branch” — the verified location pin for IFSC YESB0HCBL99 should appear at the top of the results.
2. Confirm the branch is open by calling 9721112759 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 YESB0HCBL99 and your account number.

Verifying IFSC YESB0HCBL99 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 YESB0HCBL99 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9721112759.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Hcbl Coop Bank Ltd Sahara Estates 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 YESB0HCBL99 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0HCBL99 is the IFSC code of Yes Bank, HCBL COOP BANK LTD SAHARA ESTATES branch, in LUCKNOW, 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.