IFSC Code of Yes Bank, Vyavsayik Sahakari Bank Pandri Branch, Chhatisgarh

Use this page as a one-stop reference for everything related to Yes Bank's VYAVSAYIK SAHAKARI BANK PANDRI branch in PANDRI TARAI, CHHATISGARH. The branch's IFSC code YESB0VSBL02 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Yes Bank – VYAVSAYIK SAHAKARI BANK PANDRI is YESB0VSBL02. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters VSBL02 map to this branch in PANDRI TARAI, CHHATISGARH.

Branch details at a glance

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Vyavsayik Sahakari Bank Pandri branch — IFSC YESB0VSBL02 — extends the bank's services to customers in and around Pandri Tarai, Chhatisgarh.

Vyavsayik Sahakari Bank Pandri branch overview

Located at 115,MAHALAXMI CLOTH MARKET PANDRI RAIPUR-492004, the Vyavsayik Sahakari Bank Pandri branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0VSBL02 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 VYAVSAYIK SAHAKARI BANK PANDRI of Yes Bank — its own 11-character IFSC. The code YESB0VSBL02 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 YESB0VSBL02 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 YESB0VSBL02

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 YESB0VSBL02 across all three.

NEFT to Yes Bank, VYAVSAYIK SAHAKARI BANK PANDRI using IFSC YESB0VSBL02

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 YESB0VSBL02, and confirm that the system picks up Yes Bank – VYAVSAYIK SAHAKARI BANK PANDRI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to VYAVSAYIK SAHAKARI BANK PANDRI

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's VYAVSAYIK SAHAKARI BANK PANDRI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0VSBL02 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 – VYAVSAYIK SAHAKARI BANK PANDRI, use IMPS. With IFSC YESB0VSBL02 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Vyavsayik Sahakari Bank Pandri

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 YESB0VSBL02:

• 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 VYAVSAYIK SAHAKARI BANK PANDRI is still linked to IFSC YESB0VSBL02.

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 YESB0VSBL02

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 – VYAVSAYIK SAHAKARI BANK PANDRI is still mapped to IFSC YESB0VSBL02. 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 YESB0VSBL02 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vyavsayik Sahakari Bank Pandri branch is mapped to IFSC YESB0VSBL02 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 YESB0VSBL02.

Products and services

Customers walking into the Vyavsayik Sahakari Bank Pandri 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 YESB0VSBL02

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 YESB0VSBL02 and the account number together uniquely identify the Vyavsayik Sahakari Bank Pandri branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC YESB0VSBL02

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the VYAVSAYIK SAHAKARI BANK PANDRI 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 YESB0VSBL02 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.

Common mistakes to avoid when using IFSC YESB0VSBL02

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 – VYAVSAYIK SAHAKARI BANK PANDRI, 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: YESB0VSBL02.
• 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 Vyavsayik Sahakari Bank Pandri branch sits at 115,MAHALAXMI CLOTH MARKET PANDRI RAIPUR-492004. If you are travelling from outside Pandri Tarai, search for the branch on a maps application using the bank name and locality, or call 9926111022 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 YESB0VSBL02 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0VSBL02 for Yes Bank – VYAVSAYIK SAHAKARI BANK PANDRI, 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 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 Vyavsayik Sahakari Bank Pandri branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0VSBL02, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0VSBL02 is the IFSC code of Yes Bank, VYAVSAYIK SAHAKARI BANK PANDRI branch, in PANDRI TARAI, CHHATISGARH. 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.