IFSC Code of Yes Bank, Citizens Urban Cooperative Bank Ltd Ravangla Branch Branch, Sikkim

If you are searching for the IFSC code of Yes Bank, CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH branch in RAVANGLA, SIKKIM, this page has every detail you need. The verified IFSC code for this branch is YESB0CUCBL6. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH branch, and detailed step-by-step guides for using the IFSC YESB0CUCBL6 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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 – CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH is YESB0CUCBL6. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters CUCBL6 map to this branch in RAVANGLA, SIKKIM.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Citizens Urban Cooperative Bank Ltd Ravangla Branch branch — IFSC YESB0CUCBL6 — extends the bank's services to customers in and around Ravangla, Sikkim.

Branch details at a glance

Citizens Urban Cooperative Bank Ltd Ravangla Branch branch overview

Located at 1ST FLOOR, GENSPA HOUSE, P.O & P.S. RAVANGLA, SOUTH SIKKIM-737139, the Citizens Urban Cooperative Bank Ltd Ravangla Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0CUCBL6 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 CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH of Yes Bank — its own 11-character IFSC. The code YESB0CUCBL6 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 YESB0CUCBL6 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Citizens Urban Cooperative Bank Ltd Ravangla Branch branch

Once you have an account at Yes Bank – CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH, the IFSC YESB0CUCBL6 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 Citizens Urban Cooperative Bank Ltd Ravangla Branch 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 YESB0CUCBL6

How to transfer money using IFSC YESB0CUCBL6

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 YESB0CUCBL6 across all three.

How to use IFSC YESB0CUCBL6 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH 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 YESB0CUCBL6.
4. Confirm the bank name auto-populates as Yes Bank and the branch as CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH.
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 CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0CUCBL6 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH (IFSC YESB0CUCBL6)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0CUCBL6 in your mobile or internet banking app, and the money is credited to the CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH branch account within seconds.

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

All three modes accept the IFSC YESB0CUCBL6 for Yes Bank – CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH, 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 Urban Cooperative Bank Ltd Ravangla Branch 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 YESB0CUCBL6

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 – CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH is still mapped to IFSC YESB0CUCBL6. 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 YESB0CUCBL6 and the beneficiary's account number to complete the transfer.

Online banking and IFSC YESB0CUCBL6

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH 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 YESB0CUCBL6 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 Citizens Urban Cooperative Bank Ltd Ravangla Branch branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CUCBL6 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH:

• The IFSC is exactly YESB0CUCBL6 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 URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH 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.

Reaching the branch

The Citizens Urban Cooperative Bank Ltd Ravangla Branch branch sits at 1ST FLOOR, GENSPA HOUSE, P.O & P.S. RAVANGLA, SOUTH SIKKIM-737139. If you are travelling from outside Ravangla, search for the branch on a maps application using the bank name and locality, or call 3952-9134511128 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 YESB0CUCBL6 and your account number.

Verifying IFSC YESB0CUCBL6 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 YESB0CUCBL6 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3952-9134511128.
• 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 Citizens Urban Cooperative Bank Ltd Ravangla Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0CUCBL6, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0CUCBL6 belongs to Yes Bank's CITIZENS URBAN COOPERATIVE BANK LTD RAVANGLA BRANCH branch, located at 1ST FLOOR, GENSPA HOUSE, P.O & P.S. RAVANGLA, SOUTH SIKKIM-737139 in RAVANGLA, SIKKIM. 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.