IFSC Code of Yes Bank, Vidarbha Merchants Ucb Nagpur Branch, Maharashtra

Below are the complete branch details for Yes Bank, VIDARBHA MERCHANTS UCB NAGPUR branch, located in NAGPUR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is YESB0VMUB04. 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 YESB0VMUB04 for Yes Bank – VIDARBHA MERCHANTS UCB NAGPUR — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, YESB0VMUB04 is the IFSC of Yes Bank's VIDARBHA MERCHANTS UCB NAGPUR branch. The format is fixed: YESB = bank code, 0 = reserved, VMUB04 = branch identifier.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Vidarbha Merchants Ucb Nagpur 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, YESB0VMUB04.

Vidarbha Merchants Ucb Nagpur branch overview

Located at 1ST FLOOR, VENKTESHWARA VISHWAKARMA APPTT, CHITAROLI, MAHAL, NAGPUR - 440002, the Vidarbha Merchants Ucb Nagpur branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0VMUB04 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 VIDARBHA MERCHANTS UCB NAGPUR branch came to be assigned the code YESB0VMUB04.

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 YESB0VMUB04, money simply cannot be routed to the VIDARBHA MERCHANTS UCB NAGPUR branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Vidarbha Merchants Ucb Nagpur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0VMUB04 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 YESB0VMUB04

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 YESB0VMUB04 across all three.

How to use IFSC YESB0VMUB04 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's VIDARBHA MERCHANTS UCB NAGPUR 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 YESB0VMUB04.
4. Confirm the bank name auto-populates as Yes Bank and the branch as VIDARBHA MERCHANTS UCB NAGPUR.
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 YESB0VMUB04

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 – VIDARBHA MERCHANTS UCB NAGPUR, ensure your bank's portal accepts IFSC YESB0VMUB04 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – VIDARBHA MERCHANTS UCB NAGPUR, use IMPS. With IFSC YESB0VMUB04 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 YESB0VMUB04 for Yes Bank – VIDARBHA MERCHANTS UCB NAGPUR, 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 Vidarbha Merchants Ucb Nagpur 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 VIDARBHA MERCHANTS UCB NAGPUR branch, the IFSC YESB0VMUB04 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.

Products and account variants supported

Every account opened at the Vidarbha Merchants Ucb Nagpur branch is mapped to IFSC YESB0VMUB04 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 YESB0VMUB04.

Products and services

Customers walking into the Vidarbha Merchants Ucb Nagpur 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 YESB0VMUB04

Online banking and IFSC YESB0VMUB04

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the VIDARBHA MERCHANTS UCB NAGPUR 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 YESB0VMUB04 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 Vidarbha Merchants Ucb Nagpur branch sits at 1ST FLOOR, VENKTESHWARA VISHWAKARMA APPTT, CHITAROLI, MAHAL, NAGPUR - 440002. If you are travelling from outside Nagpur, search for the branch on a maps application using the bank name and locality, or call 712-2734403 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 YESB0VMUB04 and your account number.

Common mistakes to avoid when using IFSC YESB0VMUB04

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 – VIDARBHA MERCHANTS UCB NAGPUR, 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: YESB0VMUB04.
• 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 Vidarbha Merchants Ucb Nagpur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0VMUB04, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0VMUB04 for Yes Bank – VIDARBHA MERCHANTS UCB NAGPUR, 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

Final notes

To recap: YESB0VMUB04 is the IFSC code of Yes Bank, VIDARBHA MERCHANTS UCB NAGPUR 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.