IFSC Code of Yes Bank, Bicholim Urban Cooperative Bank Patto Branch, Goa

Use this page as a one-stop reference for everything related to Yes Bank's BICHOLIM URBAN COOPERATIVE BANK PATTO branch in PANAJI, GOA. The branch's IFSC code YESB0BLC006 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Yes Bank's BICHOLIM URBAN COOPERATIVE BANK PATTO branch, the IFSC YESB0BLC006 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and BLC006 identifies this particular branch.

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 Bicholim Urban Cooperative Bank Patto branch in Panaji, Goa is part of this network and uses the IFSC code YESB0BLC006 for all electronic settlement.

Bicholim Urban Cooperative Bank Patto branch overview

Located at IYENER,EDOMPLEX,PANAJIPAOPLAZA,PAO,PANAJI,GOA.403001, the Bicholim Urban Cooperative Bank Patto branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0BLC006 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 BICHOLIM URBAN COOPERATIVE BANK PATTO of Yes Bank — its own 11-character IFSC. The code YESB0BLC006 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 YESB0BLC006 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 YESB0BLC006

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 YESB0BLC006 across all three.

NEFT to Yes Bank, BICHOLIM URBAN COOPERATIVE BANK PATTO using IFSC YESB0BLC006

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 YESB0BLC006, and confirm that the system picks up Yes Bank – BICHOLIM URBAN COOPERATIVE BANK PATTO. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to BICHOLIM URBAN COOPERATIVE BANK PATTO

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's BICHOLIM URBAN COOPERATIVE BANK PATTO branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0BLC006 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank BICHOLIM URBAN COOPERATIVE BANK PATTO (IFSC YESB0BLC006)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0BLC006 in your mobile or internet banking app, and the money is credited to the BICHOLIM URBAN COOPERATIVE BANK PATTO branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bicholim Urban Cooperative Bank Patto

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 YESB0BLC006:

• 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 BICHOLIM URBAN COOPERATIVE BANK PATTO is still linked to IFSC YESB0BLC006.

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.

UPI payments and IFSC YESB0BLC006

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 – BICHOLIM URBAN COOPERATIVE BANK PATTO is still mapped to IFSC YESB0BLC006. 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 YESB0BLC006 and the beneficiary's account number to complete the transfer.

Account types you can open at the Bicholim Urban Cooperative Bank Patto branch

Once you have an account at Yes Bank – BICHOLIM URBAN COOPERATIVE BANK PATTO, the IFSC YESB0BLC006 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 Bicholim Urban Cooperative Bank Patto branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 832-2438556.

• 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 YESB0BLC006

MICR & cheque-truncation details

Cheques drawn on the Bicholim Urban Cooperative Bank Patto branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0BLC006 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC YESB0BLC006

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the BICHOLIM URBAN COOPERATIVE BANK PATTO 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 YESB0BLC006 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 – BICHOLIM URBAN COOPERATIVE BANK PATTO:

• The IFSC is exactly YESB0BLC006 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 BICHOLIM URBAN COOPERATIVE BANK PATTO 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 Bicholim Urban Cooperative Bank Patto branch sits at IYENER,EDOMPLEX,PANAJIPAOPLAZA,PAO,PANAJI,GOA.403001. If you are travelling from outside Panaji, search for the branch on a maps application using the bank name and locality, or call 832-2438556 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 YESB0BLC006 and your account number.

Verifying IFSC YESB0BLC006 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 YESB0BLC006 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 832-2438556.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Bicholim Urban Cooperative Bank Patto 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 YESB0BLC006 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0BLC006 belongs to Yes Bank's BICHOLIM URBAN COOPERATIVE BANK PATTO branch, located at IYENER,EDOMPLEX,PANAJIPAOPLAZA,PAO,PANAJI,GOA.403001 in PANAJI, GOA. 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.