IFSC Code of Yes Bank, Hcbl Coop Bank Raebareli Branch, Uttar Pradesh

Use this page as a one-stop reference for everything related to Yes Bank's HCBL COOP BANK RAEBARELI branch in RAE BARELI, UTTAR PRADESH. The branch's IFSC code YESB0HCBL16 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 HCBL COOP BANK RAEBARELI branch, the IFSC YESB0HCBL16 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and HCBL16 identifies this particular branch.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Hcbl Coop Bank Raebareli branch in Rae Bareli. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, YESB0HCBL16.

Branch details at a glance

About the Hcbl Coop Bank Raebareli branch

The Hcbl Coop Bank Raebareli branch of Yes Bank is situated at 128, CHAUHAN MARKET, KAIPERGANJ, RAEBARELI - 229001. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code YESB0HCBL16 is used.

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 HCBL COOP BANK RAEBARELI of Yes Bank — its own 11-character IFSC. The code YESB0HCBL16 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 YESB0HCBL16 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 Hcbl Coop Bank Raebareli branch is mapped to IFSC YESB0HCBL16 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 YESB0HCBL16.

Banking services available

The Hcbl Coop Bank Raebareli branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 9721112759.

• 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 YESB0HCBL16

How to transfer money using IFSC YESB0HCBL16

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 YESB0HCBL16 across all three.

How to use IFSC YESB0HCBL16 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's HCBL COOP BANK RAEBARELI 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 YESB0HCBL16.
4. Confirm the bank name auto-populates as Yes Bank and the branch as HCBL COOP BANK RAEBARELI.
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 HCBL COOP BANK RAEBARELI

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's HCBL COOP BANK RAEBARELI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0HCBL16 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank HCBL COOP BANK RAEBARELI (IFSC YESB0HCBL16)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0HCBL16 in your mobile or internet banking app, and the money is credited to the HCBL COOP BANK RAEBARELI branch account within seconds.

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

All three modes accept the IFSC YESB0HCBL16 for Yes Bank – HCBL COOP BANK RAEBARELI, 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 Hcbl Coop Bank Raebareli 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.

UPI payments and IFSC YESB0HCBL16

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 – HCBL COOP BANK RAEBARELI is still mapped to IFSC YESB0HCBL16. 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 YESB0HCBL16 and the beneficiary's account number to complete the transfer.

Online banking and IFSC YESB0HCBL16

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the HCBL COOP BANK RAEBARELI 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 YESB0HCBL16 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 & cheque-truncation details

Cheques drawn on the Hcbl Coop Bank Raebareli branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0HCBL16 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC YESB0HCBL16

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 – HCBL COOP BANK RAEBARELI, 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: YESB0HCBL16.
• 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.

How to reach the Hcbl Coop Bank Raebareli branch

The branch is located at 128, CHAUHAN MARKET, KAIPERGANJ, RAEBARELI - 229001, which puts it inside Rae Bareli, the broader Rai Bareli district, and the state of Uttar Pradesh. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Hcbl Coop Bank Raebareli branch” — the verified location pin for IFSC YESB0HCBL16 should appear at the top of the results.
2. Confirm the branch is open by calling 9721112759 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 YESB0HCBL16 and your account number.

Verifying IFSC YESB0HCBL16 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 YESB0HCBL16 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 9721112759.
• 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 Hcbl Coop Bank Raebareli branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0HCBL16, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0HCBL16 is the IFSC code of Yes Bank, HCBL COOP BANK RAEBARELI branch, in RAE BARELI, UTTAR PRADESH. 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.