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

Use this page as a one-stop reference for everything related to Yes Bank's THE GOA STATE COOP BANK PERNEM branch in PERNEM, GOA. The branch's IFSC code YESB0GSCB07 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 THE GOA STATE COOP BANK PERNEM branch, the IFSC YESB0GSCB07 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and GSCB07 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 The Goa State Coop Bank Pernem branch in Pernem, Goa is part of this network and uses the IFSC code YESB0GSCB07 for all electronic settlement.

The Goa State Coop Bank Pernem branch overview

Located at SAHAKAR BHAVAN, PERNEM, GOA - 403512, the The Goa State Coop Bank Pernem branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0GSCB07 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Yes Bank's THE GOA STATE COOP BANK PERNEM branch came to be assigned the code YESB0GSCB07.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC YESB0GSCB07, money simply cannot be routed to the THE GOA STATE COOP BANK PERNEM branch electronically.

How to transfer money using IFSC YESB0GSCB07

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 YESB0GSCB07 across all three.

NEFT to Yes Bank, THE GOA STATE COOP BANK PERNEM using IFSC YESB0GSCB07

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 YESB0GSCB07, and confirm that the system picks up Yes Bank – THE GOA STATE COOP BANK PERNEM. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to THE GOA STATE COOP BANK PERNEM

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's THE GOA STATE COOP BANK PERNEM branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0GSCB07 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 – THE GOA STATE COOP BANK PERNEM, use IMPS. With IFSC YESB0GSCB07 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 YESB0GSCB07 for Yes Bank – THE GOA STATE COOP BANK PERNEM, 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 Pernem 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 PERNEM branch, the IFSC YESB0GSCB07 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.

Account types you can open at the The Goa State Coop Bank Pernem branch

Once you have an account at Yes Bank – THE GOA STATE COOP BANK PERNEM, the IFSC YESB0GSCB07 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.

Products and services

Customers walking into the The Goa State Coop Bank Pernem 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 YESB0GSCB07

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 YESB0GSCB07 and the account number together uniquely identify the The Goa State Coop Bank Pernem branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The Goa State Coop Bank Pernem 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 YESB0GSCB07 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.

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 – THE GOA STATE COOP BANK PERNEM:

• The IFSC is exactly YESB0GSCB07 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 THE GOA STATE COOP BANK PERNEM 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 The Goa State Coop Bank Pernem branch

The branch is located at SAHAKAR BHAVAN, PERNEM, GOA - 403512, which puts it inside Pernem, the broader North Goa district, and the state of Goa. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank The Goa State Coop Bank Pernem branch” — the verified location pin for IFSC YESB0GSCB07 should appear at the top of the results.
2. Confirm the branch is open by calling 832-2201229 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 YESB0GSCB07 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0GSCB07 for Yes Bank – THE GOA STATE COOP BANK PERNEM, 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 The Goa State Coop Bank Pernem branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0GSCB07, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0GSCB07 is the IFSC code of Yes Bank, THE GOA STATE COOP BANK PERNEM 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.