IFSC Code of Yes Bank, Meghalaya Coop Apex Bank Umsning Branch, Meghalaya

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, MEGHALAYA COOP APEX BANK UMSNING branch in NONGPOH. The 11-digit IFSC YESB0MCA018 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 MEGHALAYA COOP APEX BANK UMSNING 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, YESB0MCA018 is the IFSC of Yes Bank's MEGHALAYA COOP APEX BANK UMSNING branch. The format is fixed: YESB = bank code, 0 = reserved, MCA018 = 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 Meghalaya Coop Apex Bank Umsning branch in Nongpoh, Meghalaya is part of this network and uses the IFSC code YESB0MCA018 for all electronic settlement.

About this branch

The branch is located at UMSNING,RIBHOI 793103. It serves the Nongpoh 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 YESB0MCA018 is used to identify this branch on the RBI payments network.

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 MEGHALAYA COOP APEX BANK UMSNING of Yes Bank — its own 11-character IFSC. The code YESB0MCA018 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 YESB0MCA018 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC YESB0MCA018

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 YESB0MCA018 across all three.

NEFT to Yes Bank, MEGHALAYA COOP APEX BANK UMSNING using IFSC YESB0MCA018

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 YESB0MCA018, and confirm that the system picks up Yes Bank – MEGHALAYA COOP APEX BANK UMSNING. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MEGHALAYA COOP APEX BANK UMSNING

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's MEGHALAYA COOP APEX BANK UMSNING branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0MCA018 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 – MEGHALAYA COOP APEX BANK UMSNING, use IMPS. With IFSC YESB0MCA018 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 YESB0MCA018 for Yes Bank – MEGHALAYA COOP APEX BANK UMSNING, 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 Meghalaya Coop Apex Bank Umsning 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 YESB0MCA018

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 – MEGHALAYA COOP APEX BANK UMSNING is still mapped to IFSC YESB0MCA018. 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 YESB0MCA018 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Meghalaya Coop Apex Bank Umsning branch is mapped to IFSC YESB0MCA018 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 YESB0MCA018.

Products and services

Customers walking into the Meghalaya Coop Apex Bank Umsning 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 YESB0MCA018

MICR & cheque-truncation details

Cheques drawn on the Meghalaya Coop Apex Bank Umsning branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0MCA018 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC YESB0MCA018

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the MEGHALAYA COOP APEX BANK UMSNING 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 YESB0MCA018 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 – MEGHALAYA COOP APEX BANK UMSNING:

• The IFSC is exactly YESB0MCA018 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 MEGHALAYA COOP APEX BANK UMSNING 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.

How to reach the Meghalaya Coop Apex Bank Umsning branch

The branch is located at UMSNING,RIBHOI 793103, which puts it inside Nongpoh, the broader Ri Bhoi district, and the state of Meghalaya. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Meghalaya Coop Apex Bank Umsning branch” — the verified location pin for IFSC YESB0MCA018 should appear at the top of the results.
2. Confirm the branch is open by calling 3638-262226 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC YESB0MCA018 and your account number.

Verifying IFSC YESB0MCA018 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 YESB0MCA018 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3638-262226.
• 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 Meghalaya Coop Apex Bank Umsning branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0MCA018, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0MCA018 is the IFSC code of Yes Bank, MEGHALAYA COOP APEX BANK UMSNING branch, in NONGPOH, MEGHALAYA. 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.