IFSC Code of Yes Bank, The Goa State Coop Bank Patradevi Branch, Goa

Use this page as a one-stop reference for everything related to Yes Bank's THE GOA STATE COOP BANK PATRADEVI branch in PERNEM, GOA. The branch's IFSC code YESB0GSCB45 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 – THE GOA STATE COOP BANK PATRADEVI is YESB0GSCB45. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters GSCB45 map to this branch in PERNEM, GOA.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its The Goa State Coop Bank Patradevi branch in Pernem, Goa is part of this network and uses the IFSC code YESB0GSCB45 for all electronic settlement.

Branch details at a glance

The Goa State Coop Bank Patradevi branch overview

Located at PATRADEVI, PEDNEM, GOA - 403512, the The Goa State Coop Bank Patradevi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0GSCB45 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 THE GOA STATE COOP BANK PATRADEVI of Yes Bank — its own 11-character IFSC. The code YESB0GSCB45 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 YESB0GSCB45 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the The Goa State Coop Bank Patradevi branch is mapped to IFSC YESB0GSCB45 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 YESB0GSCB45.

Banking services available

The The Goa State Coop Bank Patradevi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 832-2294504.

• 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 YESB0GSCB45

How to transfer money using IFSC YESB0GSCB45

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 YESB0GSCB45 across all three.

How to use IFSC YESB0GSCB45 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's THE GOA STATE COOP BANK PATRADEVI 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 YESB0GSCB45.
4. Confirm the bank name auto-populates as Yes Bank and the branch as THE GOA STATE COOP BANK PATRADEVI.
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 THE GOA STATE COOP BANK PATRADEVI

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's THE GOA STATE COOP BANK PATRADEVI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0GSCB45 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank THE GOA STATE COOP BANK PATRADEVI (IFSC YESB0GSCB45)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0GSCB45 in your mobile or internet banking app, and the money is credited to the THE GOA STATE COOP BANK PATRADEVI branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC YESB0GSCB45 for Yes Bank – THE GOA STATE COOP BANK PATRADEVI, 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 The Goa State Coop Bank Patradevi 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.

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 THE GOA STATE COOP BANK PATRADEVI branch, the IFSC YESB0GSCB45 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.

Online banking and IFSC YESB0GSCB45

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the THE GOA STATE COOP BANK PATRADEVI 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 YESB0GSCB45 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.

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 YESB0GSCB45 and the account number together uniquely identify the The Goa State Coop Bank Patradevi 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 YESB0GSCB45

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 – THE GOA STATE COOP BANK PATRADEVI, 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: YESB0GSCB45.
• 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 The Goa State Coop Bank Patradevi branch sits at PATRADEVI, PEDNEM, GOA - 403512. If you are travelling from outside Pernem, search for the branch on a maps application using the bank name and locality, or call 832-2294504 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 YESB0GSCB45 and your account number.

Verifying IFSC YESB0GSCB45 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 YESB0GSCB45 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 832-2294504.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Goa State Coop Bank Patradevi 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 YESB0GSCB45 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0GSCB45 is the IFSC code of Yes Bank, THE GOA STATE COOP BANK PATRADEVI branch, in PERNEM, GOA. 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.