IFSC Code of Yes Bank, Raiya Road Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, RAIYA ROAD branch in RAJKOT. The 11-digit IFSC YESB0001012 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with Yes Bank at the RAIYA ROAD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 RAIYA ROAD branch, the IFSC YESB0001012 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and 001012 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 Raiya Road branch in Rajkot, Gujarat is part of this network and uses the IFSC code YESB0001012 for all electronic settlement.

About the Raiya Road branch

The Raiya Road branch of Yes Bank is situated at PART GRND AND MEZZANINE FLR, HOTEL ELEMENTS, OPP STERLING HOSPITAL, 150 RING RD, RAIYA CIRCLE, RAJKOT - 360007. 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 YESB0001012 is used.

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 RAIYA ROAD branch came to be assigned the code YESB0001012.

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 YESB0001012, money simply cannot be routed to the RAIYA ROAD branch electronically.

How to transfer money using IFSC YESB0001012

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 YESB0001012 across all three.

How to use IFSC YESB0001012 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's RAIYA ROAD 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 YESB0001012.
4. Confirm the bank name auto-populates as Yes Bank and the branch as RAIYA ROAD.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC YESB0001012

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Yes Bank – RAIYA ROAD, ensure your bank's portal accepts IFSC YESB0001012 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank RAIYA ROAD (IFSC YESB0001012)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0001012 in your mobile or internet banking app, and the money is credited to the RAIYA ROAD branch account within seconds.

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

All three modes accept the IFSC YESB0001012 for Yes Bank – RAIYA ROAD, 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 Raiya Road 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 YESB0001012

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 – RAIYA ROAD is still mapped to IFSC YESB0001012. 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 YESB0001012 and the beneficiary's account number to complete the transfer.

Account types you can open at the Raiya Road branch

Once you have an account at Yes Bank – RAIYA ROAD, the IFSC YESB0001012 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 Raiya Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 281-2578429.

• 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 YESB0001012

MICR & cheque-truncation details

Cheques drawn on the Raiya Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0001012 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC YESB0001012

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the RAIYA ROAD 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 YESB0001012 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 YESB0001012

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 – RAIYA ROAD, 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: YESB0001012.
• 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 Raiya Road branch

The branch is located at PART GRND AND MEZZANINE FLR, HOTEL ELEMENTS, OPP STERLING HOSPITAL, 150 RING RD, RAIYA CIRCLE, RAJKOT - 360007, which puts it inside Rajkot, the broader Rajkot district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Raiya Road branch” — the verified location pin for IFSC YESB0001012 should appear at the top of the results.
2. Confirm the branch is open by calling 281-2578429 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 YESB0001012 and your account number.

Verifying IFSC YESB0001012 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 YESB0001012 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 281-2578429.
• 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 Raiya Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0001012, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0001012 is the IFSC code of Yes Bank, RAIYA ROAD branch, in RAJKOT, GUJARAT. 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.