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

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, JANALAXMI COOP BANK SAMRUDDHI branch in NASHIK. The 11-digit IFSC YESB0JLCB02 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 JANALAXMI COOP BANK SAMRUDDHI 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, YESB0JLCB02 is the IFSC of Yes Bank's JANALAXMI COOP BANK SAMRUDDHI branch. The format is fixed: YESB = bank code, 0 = reserved, JLCB02 = branch identifier.

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 Janalaxmi Coop Bank Samruddhi branch in Nashik, Maharashtra is part of this network and uses the IFSC code YESB0JLCB02 for all electronic settlement.

About the Janalaxmi Coop Bank Samruddhi branch

The Janalaxmi Coop Bank Samruddhi branch of Yes Bank is situated at SAMRUDDHI GADKARI CHOWK OLD AGRA ROAD NASHIK 422002. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code YESB0JLCB02 is used.

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 SAMRUDDHI branch came to be assigned the code YESB0JLCB02.

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 YESB0JLCB02, money simply cannot be routed to the JANALAXMI COOP BANK SAMRUDDHI branch electronically.

How to transfer money using IFSC YESB0JLCB02

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 YESB0JLCB02 across all three.

How to use IFSC YESB0JLCB02 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's JANALAXMI COOP BANK SAMRUDDHI 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 YESB0JLCB02.
4. Confirm the bank name auto-populates as Yes Bank and the branch as JANALAXMI COOP BANK SAMRUDDHI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to JANALAXMI COOP BANK SAMRUDDHI

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's JANALAXMI COOP BANK SAMRUDDHI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0JLCB02 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 – JANALAXMI COOP BANK SAMRUDDHI, use IMPS. With IFSC YESB0JLCB02 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 YESB0JLCB02 for Yes Bank – JANALAXMI COOP BANK SAMRUDDHI, 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 Samruddhi 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 YESB0JLCB02

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 SAMRUDDHI is still mapped to IFSC YESB0JLCB02. 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 YESB0JLCB02 and the beneficiary's account number to complete the transfer.

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

Once you have an account at Yes Bank – JANALAXMI COOP BANK SAMRUDDHI, the IFSC YESB0JLCB02 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 Samruddhi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 253-2577875.

• 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 YESB0JLCB02

MICR & cheque-truncation details

Cheques drawn on the Janalaxmi Coop Bank Samruddhi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0JLCB02 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC YESB0JLCB02

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the JANALAXMI COOP BANK SAMRUDDHI 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 YESB0JLCB02 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.

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 – JANALAXMI COOP BANK SAMRUDDHI:

• The IFSC is exactly YESB0JLCB02 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 JANALAXMI COOP BANK SAMRUDDHI 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 Janalaxmi Coop Bank Samruddhi branch sits at SAMRUDDHI GADKARI CHOWK OLD AGRA ROAD NASHIK 422002. If you are travelling from outside Nashik, search for the branch on a maps application using the bank name and locality, or call 253-2577875 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 YESB0JLCB02 and your account number.

Verifying IFSC YESB0JLCB02 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 YESB0JLCB02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 253-2577875.
• 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 Janalaxmi Coop Bank Samruddhi branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0JLCB02, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0JLCB02 is the IFSC code of Yes Bank, JANALAXMI COOP BANK SAMRUDDHI branch, in NASHIK, 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.