IFSC Code of Yes Bank, Zila Sahkari Bank Lucknow Malihabad Branch, Uttar Pradesh

Below are the complete branch details for Yes Bank, ZILA SAHKARI BANK LUCKNOW MALIHABAD branch, located in MALIHABAD, UTTAR PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is YESB0ZSBL16. 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 YESB0ZSBL16 for Yes Bank – ZILA SAHKARI BANK LUCKNOW MALIHABAD — 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 ZILA SAHKARI BANK LUCKNOW MALIHABAD branch, the IFSC YESB0ZSBL16 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and ZSBL16 identifies this particular branch.

Branch details at a glance

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Zila Sahkari Bank Lucknow Malihabad branch in Malihabad, Uttar Pradesh is part of this network and uses the IFSC code YESB0ZSBL16 for all electronic settlement.

About the Zila Sahkari Bank Lucknow Malihabad branch

The Zila Sahkari Bank Lucknow Malihabad branch of Yes Bank is situated at TEHSEEL ROAD, MALIHABAD, LUCKNOW - 226102. 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 YESB0ZSBL16 is used.

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 ZILA SAHKARI BANK LUCKNOW MALIHABAD of Yes Bank — its own 11-character IFSC. The code YESB0ZSBL16 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 YESB0ZSBL16 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC YESB0ZSBL16

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 YESB0ZSBL16 across all three.

How to use IFSC YESB0ZSBL16 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's ZILA SAHKARI BANK LUCKNOW MALIHABAD 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 YESB0ZSBL16.
4. Confirm the bank name auto-populates as Yes Bank and the branch as ZILA SAHKARI BANK LUCKNOW MALIHABAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC YESB0ZSBL16

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 – ZILA SAHKARI BANK LUCKNOW MALIHABAD, ensure your bank's portal accepts IFSC YESB0ZSBL16 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank ZILA SAHKARI BANK LUCKNOW MALIHABAD (IFSC YESB0ZSBL16)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0ZSBL16 in your mobile or internet banking app, and the money is credited to the ZILA SAHKARI BANK LUCKNOW MALIHABAD branch account within seconds.

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

All three modes accept the IFSC YESB0ZSBL16 for Yes Bank – ZILA SAHKARI BANK LUCKNOW MALIHABAD, 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 Zila Sahkari Bank Lucknow Malihabad 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 ZILA SAHKARI BANK LUCKNOW MALIHABAD branch, the IFSC YESB0ZSBL16 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.

Account types you can open at the Zila Sahkari Bank Lucknow Malihabad branch

Once you have an account at Yes Bank – ZILA SAHKARI BANK LUCKNOW MALIHABAD, the IFSC YESB0ZSBL16 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.

Banking services available

The Zila Sahkari Bank Lucknow Malihabad branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8756400231.

• 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 YESB0ZSBL16

MICR & cheque-truncation details

Cheques drawn on the Zila Sahkari Bank Lucknow Malihabad branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0ZSBL16 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Zila Sahkari Bank Lucknow Malihabad 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 YESB0ZSBL16 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.

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 – ZILA SAHKARI BANK LUCKNOW MALIHABAD:

• The IFSC is exactly YESB0ZSBL16 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 ZILA SAHKARI BANK LUCKNOW MALIHABAD 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.

Reaching the branch

The Zila Sahkari Bank Lucknow Malihabad branch sits at TEHSEEL ROAD, MALIHABAD, LUCKNOW - 226102. If you are travelling from outside Malihabad, search for the branch on a maps application using the bank name and locality, or call 8756400231 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 YESB0ZSBL16 and your account number.

Verifying IFSC YESB0ZSBL16 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 YESB0ZSBL16 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8756400231.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Zila Sahkari Bank Lucknow Malihabad 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 YESB0ZSBL16 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0ZSBL16 is the IFSC code of Yes Bank, ZILA SAHKARI BANK LUCKNOW MALIHABAD branch, in MALIHABAD, 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.