IFSC Code of Yes Bank, Citizens Coop Bank Jammu R S Pura Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, CITIZENS COOP BANK JAMMU R S PURA branch in RANBIR SINGH PORA. The 11-digit IFSC YESB0CJ0112 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 CITIZENS COOP BANK JAMMU R S PURA 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, YESB0CJ0112 is the IFSC of Yes Bank's CITIZENS COOP BANK JAMMU R S PURA branch. The format is fixed: YESB = bank code, 0 = reserved, CJ0112 = branch identifier.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Citizens Coop Bank Jammu R S Pura branch in Ranbir Singh Pora. 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, YESB0CJ0112.

Branch details at a glance

About this branch

The branch is located at NEAR BUS STAND, R.S. PURA, JAMMU-181102. It serves the Ranbir Singh Pora region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Yes Bank. The IFSC YESB0CJ0112 is used to identify this branch on the RBI payments network.

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 CITIZENS COOP BANK JAMMU R S PURA branch came to be assigned the code YESB0CJ0112.

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 YESB0CJ0112, money simply cannot be routed to the CITIZENS COOP BANK JAMMU R S PURA branch electronically.

Account types you can open at the Citizens Coop Bank Jammu R S Pura branch

Once you have an account at Yes Bank – CITIZENS COOP BANK JAMMU R S PURA, the IFSC YESB0CJ0112 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 Citizens Coop Bank Jammu R S Pura branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 1923-250488.

• 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 YESB0CJ0112

How to transfer money using IFSC YESB0CJ0112

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 YESB0CJ0112 across all three.

NEFT to Yes Bank, CITIZENS COOP BANK JAMMU R S PURA using IFSC YESB0CJ0112

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 YESB0CJ0112, and confirm that the system picks up Yes Bank – CITIZENS COOP BANK JAMMU R S PURA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0CJ0112

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 – CITIZENS COOP BANK JAMMU R S PURA, ensure your bank's portal accepts IFSC YESB0CJ0112 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – CITIZENS COOP BANK JAMMU R S PURA, use IMPS. With IFSC YESB0CJ0112 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 YESB0CJ0112 for Yes Bank – CITIZENS COOP BANK JAMMU R S PURA, 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 Citizens Coop Bank Jammu R S Pura 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 CITIZENS COOP BANK JAMMU R S PURA branch, the IFSC YESB0CJ0112 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.

Digital banking channels

Most day-to-day work that customers used to do at the Citizens Coop Bank Jammu R S Pura 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 YESB0CJ0112 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.

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 YESB0CJ0112 and the account number together uniquely identify the Citizens Coop Bank Jammu R S Pura branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – CITIZENS COOP BANK JAMMU R S PURA:

• The IFSC is exactly YESB0CJ0112 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 CITIZENS COOP BANK JAMMU R S PURA 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 Citizens Coop Bank Jammu R S Pura branch

The branch is located at NEAR BUS STAND, R.S. PURA, JAMMU-181102, which puts it inside Ranbir Singh Pora, the broader Jammu district, and the state of Jammu and Kashmir. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Citizens Coop Bank Jammu R S Pura branch” — the verified location pin for IFSC YESB0CJ0112 should appear at the top of the results.
2. Confirm the branch is open by calling 1923-250488 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 YESB0CJ0112 and your account number.

Verifying IFSC YESB0CJ0112 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 YESB0CJ0112 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 1923-250488.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Citizens Coop Bank Jammu R S Pura 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 YESB0CJ0112 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0CJ0112 belongs to Yes Bank's CITIZENS COOP BANK JAMMU R S PURA branch, located at NEAR BUS STAND, R.S. PURA, JAMMU-181102 in RANBIR SINGH PORA, JAMMU AND KASHMIR. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.