IFSC Code of Yes Bank, Saraswati Sahakari Bank Ltd Branch, Maharashtra

Below are the complete branch details for Yes Bank, SARASWATI SAHAKARI BANK LTD branch, located in OZAR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is YESB0SASHBK. 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 YESB0SASHBK for Yes Bank – SARASWATI SAHAKARI BANK LTD — 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, YESB0SASHBK is the IFSC of Yes Bank's SARASWATI SAHAKARI BANK LTD branch. The format is fixed: YESB = bank code, 0 = reserved, SASHBK = branch identifier.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Saraswati Sahakari Bank Ltd branch — IFSC YESB0SASHBK — extends the bank's services to customers in and around Ozar, Maharashtra.

Branch details at a glance

About this branch

The branch is located at 3928, NEAR GADAKH BHAVAN, AGARA ROAD, OZAR(MIG) TAL-NIPHAD, (DIST NASIK) MAHARASHTRA-422206. It serves the Ozar 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 YESB0SASHBK 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 SARASWATI SAHAKARI BANK LTD of Yes Bank — its own 11-character IFSC. The code YESB0SASHBK 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 YESB0SASHBK 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 Saraswati Sahakari Bank Ltd branch

Once you have an account at Yes Bank – SARASWATI SAHAKARI BANK LTD, the IFSC YESB0SASHBK 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 Saraswati Sahakari Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 2550-276966.

• 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 YESB0SASHBK

How to transfer money using IFSC YESB0SASHBK

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 YESB0SASHBK across all three.

NEFT to Yes Bank, SARASWATI SAHAKARI BANK LTD using IFSC YESB0SASHBK

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 YESB0SASHBK, and confirm that the system picks up Yes Bank – SARASWATI SAHAKARI BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to SARASWATI SAHAKARI BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's SARASWATI SAHAKARI BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0SASHBK while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank SARASWATI SAHAKARI BANK LTD (IFSC YESB0SASHBK)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0SASHBK in your mobile or internet banking app, and the money is credited to the SARASWATI SAHAKARI BANK LTD branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Saraswati Sahakari Bank Ltd

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 YESB0SASHBK:

• 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 SARASWATI SAHAKARI BANK LTD is still linked to IFSC YESB0SASHBK.

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.

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 SARASWATI SAHAKARI BANK LTD branch, the IFSC YESB0SASHBK 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 Saraswati Sahakari Bank Ltd 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 YESB0SASHBK 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 YESB0SASHBK and the account number together uniquely identify the Saraswati Sahakari Bank Ltd 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 YESB0SASHBK

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 – SARASWATI SAHAKARI BANK LTD, 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: YESB0SASHBK.
• 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 Saraswati Sahakari Bank Ltd branch sits at 3928, NEAR GADAKH BHAVAN, AGARA ROAD, OZAR(MIG) TAL-NIPHAD, (DIST NASIK) MAHARASHTRA-422206. If you are travelling from outside Ozar, search for the branch on a maps application using the bank name and locality, or call 2550-276966 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 YESB0SASHBK and your account number.

Verifying IFSC YESB0SASHBK 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 YESB0SASHBK by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 2550-276966.
• 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 Saraswati Sahakari Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0SASHBK, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0SASHBK belongs to Yes Bank's SARASWATI SAHAKARI BANK LTD branch, located at 3928, NEAR GADAKH BHAVAN, AGARA ROAD, OZAR(MIG) TAL-NIPHAD, (DIST NASIK)… in OZAR, MAHARASHTRA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.