IFSC Code of Yes Bank, Umiya Urban Coop Bank Pardi Branch, Maharashtra

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, UMIYA URBAN COOP BANK PARDI branch in NAGPUR. The 11-digit IFSC YESB0UMIB04 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Yes Bank at the UMIYA URBAN COOP BANK PARDI location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, YESB0UMIB04 is the IFSC of Yes Bank's UMIYA URBAN COOP BANK PARDI branch. The format is fixed: YESB = bank code, 0 = reserved, UMIB04 = branch identifier.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Umiya Urban Coop Bank Pardi branch in Nagpur. 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, YESB0UMIB04.

Branch details at a glance

Umiya Urban Coop Bank Pardi branch overview

Located at ZANSI RANI CHOWK, WALDE NURSING HOME, PARDI,BHANDARA ROAD, NAGPUR-440035, the Umiya Urban Coop Bank Pardi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0UMIB04 is required for all interbank electronic transfers routed through this branch.

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 UMIYA URBAN COOP BANK PARDI of Yes Bank — its own 11-character IFSC. The code YESB0UMIB04 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 YESB0UMIB04 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Umiya Urban Coop Bank Pardi branch

Once you have an account at Yes Bank – UMIYA URBAN COOP BANK PARDI, the IFSC YESB0UMIB04 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 Umiya Urban Coop Bank Pardi 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 YESB0UMIB04

How to transfer money using IFSC YESB0UMIB04

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 YESB0UMIB04 across all three.

How to use IFSC YESB0UMIB04 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's UMIYA URBAN COOP BANK PARDI 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 YESB0UMIB04.
4. Confirm the bank name auto-populates as Yes Bank and the branch as UMIYA URBAN COOP BANK PARDI.
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 YESB0UMIB04

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 – UMIYA URBAN COOP BANK PARDI, ensure your bank's portal accepts IFSC YESB0UMIB04 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank UMIYA URBAN COOP BANK PARDI (IFSC YESB0UMIB04)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0UMIB04 in your mobile or internet banking app, and the money is credited to the UMIYA URBAN COOP BANK PARDI branch account within seconds.

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

All three modes accept the IFSC YESB0UMIB04 for Yes Bank – UMIYA URBAN COOP BANK PARDI, 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 Umiya Urban Coop Bank Pardi 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 UMIYA URBAN COOP BANK PARDI branch, the IFSC YESB0UMIB04 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 Umiya Urban Coop Bank Pardi 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 YESB0UMIB04 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 YESB0UMIB04 and the account number together uniquely identify the Umiya Urban Coop Bank Pardi 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 YESB0UMIB04

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 – UMIYA URBAN COOP BANK PARDI, 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: YESB0UMIB04.
• 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.

Reaching the branch

The Umiya Urban Coop Bank Pardi branch sits at ZANSI RANI CHOWK, WALDE NURSING HOME, PARDI,BHANDARA ROAD, NAGPUR-440035. If you are travelling from outside Nagpur, search for the branch on a maps application using the bank name and locality, or call 712-2683386 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 YESB0UMIB04 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMIB04 for Yes Bank – UMIYA URBAN COOP BANK PARDI, 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.

Working hours

Branch counters at Umiya Urban Coop Bank Pardi 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 YESB0UMIB04 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0UMIB04 is the IFSC code of Yes Bank, UMIYA URBAN COOP BANK PARDI branch, in NAGPUR, 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.