IFSC Code of Yes Bank, The Goa State Coop Bank Sada Branch, Goa

Use this page as a one-stop reference for everything related to Yes Bank's THE GOA STATE COOP BANK SADA branch in MORMUGAO, GOA. The branch's IFSC code YESB0GSCB48 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 THE GOA STATE COOP BANK SADA branch, the IFSC YESB0GSCB48 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and GSCB48 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 The Goa State Coop Bank Sada branch in Mormugao, Goa is part of this network and uses the IFSC code YESB0GSCB48 for all electronic settlement.

The Goa State Coop Bank Sada branch overview

Located at HEADLAND SADA, MORMUGAO, GOA - 403804, the The Goa State Coop Bank Sada branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0GSCB48 is required for all interbank electronic transfers routed through this branch.

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 THE GOA STATE COOP BANK SADA branch came to be assigned the code YESB0GSCB48.

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 YESB0GSCB48, money simply cannot be routed to the THE GOA STATE COOP BANK SADA branch electronically.

How to transfer money using IFSC YESB0GSCB48

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 YESB0GSCB48 across all three.

NEFT to Yes Bank, THE GOA STATE COOP BANK SADA using IFSC YESB0GSCB48

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 YESB0GSCB48, and confirm that the system picks up Yes Bank – THE GOA STATE COOP BANK SADA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE GOA STATE COOP BANK SADA

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's THE GOA STATE COOP BANK SADA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0GSCB48 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 – THE GOA STATE COOP BANK SADA, use IMPS. With IFSC YESB0GSCB48 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 YESB0GSCB48 for Yes Bank – THE GOA STATE COOP BANK SADA, 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 The Goa State Coop Bank Sada 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 YESB0GSCB48

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 – THE GOA STATE COOP BANK SADA is still mapped to IFSC YESB0GSCB48. 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 YESB0GSCB48 and the beneficiary's account number to complete the transfer.

Account types you can open at the The Goa State Coop Bank Sada branch

Once you have an account at Yes Bank – THE GOA STATE COOP BANK SADA, the IFSC YESB0GSCB48 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 The Goa State Coop Bank Sada 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 YESB0GSCB48

MICR & cheque-truncation details

Cheques drawn on the The Goa State Coop Bank Sada branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0GSCB48 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 The Goa State Coop Bank Sada 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 YESB0GSCB48 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 – THE GOA STATE COOP BANK SADA:

• The IFSC is exactly YESB0GSCB48 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 THE GOA STATE COOP BANK SADA 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 The Goa State Coop Bank Sada branch

The branch is located at HEADLAND SADA, MORMUGAO, GOA - 403804, which puts it inside Mormugao, the broader South Goa district, and the state of Goa. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank The Goa State Coop Bank Sada branch” — the verified location pin for IFSC YESB0GSCB48 should appear at the top of the results.
2. Confirm the branch is open by calling 832-2520338 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 YESB0GSCB48 and your account number.

Verifying IFSC YESB0GSCB48 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 YESB0GSCB48 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 832-2520338.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Goa State Coop Bank Sada 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 YESB0GSCB48 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0GSCB48 is the IFSC code of Yes Bank, THE GOA STATE COOP BANK SADA branch, in MORMUGAO, GOA. 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.