IFSC Code of Yes Bank, Vima Kamgar Coop Bank Santacruze Branch, Maharashtra

If you are searching for the IFSC code of Yes Bank, VIMA KAMGAR COOP BANK SANTACRUZE branch in MUMBAI, MAHARASHTRA, this page has every detail you need. The verified IFSC code for this branch is YESB0VKCB03. 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 VIMA KAMGAR COOP BANK SANTACRUZE branch, and detailed step-by-step guides for using the IFSC YESB0VKCB03 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.

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 VIMA KAMGAR COOP BANK SANTACRUZE branch, the IFSC YESB0VKCB03 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and VKCB03 identifies this particular branch.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Vima Kamgar Coop Bank Santacruze branch in Mumbai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, YESB0VKCB03.

Branch details at a glance

About this branch

The branch is located at NEW INDIA BUILDING, S V ROAD, SANTACRUZE WEST MUMBAI 400054. It serves the Mumbai 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 YESB0VKCB03 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 VIMA KAMGAR COOP BANK SANTACRUZE branch came to be assigned the code YESB0VKCB03.

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 YESB0VKCB03, money simply cannot be routed to the VIMA KAMGAR COOP BANK SANTACRUZE branch electronically.

Products and account variants supported

Every account opened at the Vima Kamgar Coop Bank Santacruze branch is mapped to IFSC YESB0VKCB03 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 YESB0VKCB03.

Products and services

Customers walking into the Vima Kamgar Coop Bank Santacruze 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 YESB0VKCB03

How to transfer money using IFSC YESB0VKCB03

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 YESB0VKCB03 across all three.

NEFT to Yes Bank, VIMA KAMGAR COOP BANK SANTACRUZE using IFSC YESB0VKCB03

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 YESB0VKCB03, and confirm that the system picks up Yes Bank – VIMA KAMGAR COOP BANK SANTACRUZE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VIMA KAMGAR COOP BANK SANTACRUZE

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's VIMA KAMGAR COOP BANK SANTACRUZE branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0VKCB03 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank VIMA KAMGAR COOP BANK SANTACRUZE (IFSC YESB0VKCB03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0VKCB03 in your mobile or internet banking app, and the money is credited to the VIMA KAMGAR COOP BANK SANTACRUZE branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Vima Kamgar Coop Bank Santacruze

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 YESB0VKCB03:

• 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 VIMA KAMGAR COOP BANK SANTACRUZE is still linked to IFSC YESB0VKCB03.

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.

UPI payments and IFSC YESB0VKCB03

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 – VIMA KAMGAR COOP BANK SANTACRUZE is still mapped to IFSC YESB0VKCB03. 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 YESB0VKCB03 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Vima Kamgar Coop Bank Santacruze 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 YESB0VKCB03 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 & cheque-truncation details

Cheques drawn on the Vima Kamgar Coop Bank Santacruze branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0VKCB03 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – VIMA KAMGAR COOP BANK SANTACRUZE:

• The IFSC is exactly YESB0VKCB03 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 VIMA KAMGAR COOP BANK SANTACRUZE 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 Vima Kamgar Coop Bank Santacruze branch sits at NEW INDIA BUILDING, S V ROAD, SANTACRUZE WEST MUMBAI 400054. If you are travelling from outside Mumbai, search for the branch on a maps application using the bank name and locality, or call 22-65730723 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 YESB0VKCB03 and your account number.

Verifying IFSC YESB0VKCB03 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 YESB0VKCB03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 22-65730723.
• Visiting the bank's official branch locator page.

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 Vima Kamgar Coop Bank Santacruze branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0VKCB03, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0VKCB03 is the IFSC code of Yes Bank, VIMA KAMGAR COOP BANK SANTACRUZE branch, in MUMBAI, MAHARASHTRA. 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.