IFSC Code of Yes Bank, Janalaxmi Coop Bank Girgaon Branch, Maharashtra

Below are the complete branch details for Yes Bank, JANALAXMI COOP BANK GIRGAON branch, located in MUMBAI, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is YESB0JLCB23. 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 YESB0JLCB23 for Yes Bank – JANALAXMI COOP BANK GIRGAON — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 – JANALAXMI COOP BANK GIRGAON is YESB0JLCB23. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters JLCB23 map to this branch in MUMBAI, MAHARASHTRA.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Janalaxmi Coop Bank Girgaon branch in Mumbai, Maharashtra is part of this network and uses the IFSC code YESB0JLCB23 for all electronic settlement.

Janalaxmi Coop Bank Girgaon branch overview

Located at 80,JAGANNATH SHANKAR SHET ROAD,GIRGAON,MUMBAI-400004, the Janalaxmi Coop Bank Girgaon branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0JLCB23 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 JANALAXMI COOP BANK GIRGAON branch came to be assigned the code YESB0JLCB23.

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 YESB0JLCB23, money simply cannot be routed to the JANALAXMI COOP BANK GIRGAON branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Janalaxmi Coop Bank Girgaon branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0JLCB23 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC YESB0JLCB23

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 YESB0JLCB23 across all three.

NEFT to Yes Bank, JANALAXMI COOP BANK GIRGAON using IFSC YESB0JLCB23

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 YESB0JLCB23, and confirm that the system picks up Yes Bank – JANALAXMI COOP BANK GIRGAON. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0JLCB23

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 – JANALAXMI COOP BANK GIRGAON, ensure your bank's portal accepts IFSC YESB0JLCB23 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank JANALAXMI COOP BANK GIRGAON (IFSC YESB0JLCB23)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0JLCB23 in your mobile or internet banking app, and the money is credited to the JANALAXMI COOP BANK GIRGAON branch account within seconds.

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

All three modes accept the IFSC YESB0JLCB23 for Yes Bank – JANALAXMI COOP BANK GIRGAON, 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 Janalaxmi Coop Bank Girgaon 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 YESB0JLCB23

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 – JANALAXMI COOP BANK GIRGAON is still mapped to IFSC YESB0JLCB23. 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 YESB0JLCB23 and the beneficiary's account number to complete the transfer.

Account types you can open at the Janalaxmi Coop Bank Girgaon branch

Once you have an account at Yes Bank – JANALAXMI COOP BANK GIRGAON, the IFSC YESB0JLCB23 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 Janalaxmi Coop Bank Girgaon branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 22-23863445.

• 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 YESB0JLCB23

Online banking and IFSC YESB0JLCB23

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the JANALAXMI COOP BANK GIRGAON 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 YESB0JLCB23 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 Janalaxmi Coop Bank Girgaon branch sits at 80,JAGANNATH SHANKAR SHET ROAD,GIRGAON,MUMBAI-400004. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-23863445 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 YESB0JLCB23 and your account number.

Common mistakes to avoid when using IFSC YESB0JLCB23

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 – JANALAXMI COOP BANK GIRGAON, 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: YESB0JLCB23.
• 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 Janalaxmi Coop Bank Girgaon branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0JLCB23, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0JLCB23 for Yes Bank – JANALAXMI COOP BANK GIRGAON, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0JLCB23 belongs to Yes Bank's JANALAXMI COOP BANK GIRGAON branch, located at 80,JAGANNATH SHANKAR SHET ROAD,GIRGAON,MUMBAI-400004 in MUMBAI, MAHARASHTRA. 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.