IFSC Code of Yes Bank, Meghalaya Coop Apex Bank Demthring Branch, Meghalaya

Below are the complete branch details for Yes Bank, MEGHALAYA COOP APEX BANK DEMTHRING branch, located in SHILLONG, MEGHALAYA. The IFSC assigned by the Reserve Bank of India to this branch is YESB0MCA049. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case YESB0MCA049 for Yes Bank – MEGHALAYA COOP APEX BANK DEMTHRING — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 MEGHALAYA COOP APEX BANK DEMTHRING branch, the IFSC YESB0MCA049 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and MCA049 identifies this particular branch.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Meghalaya Coop Apex Bank Demthring branch in Shillong. 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, YESB0MCA049.

About this branch

The branch is located at DEMTHRING NONGTHIMMAI SHILLONG 793014. It serves the Shillong 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 YESB0MCA049 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 MEGHALAYA COOP APEX BANK DEMTHRING branch came to be assigned the code YESB0MCA049.

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 YESB0MCA049, money simply cannot be routed to the MEGHALAYA COOP APEX BANK DEMTHRING branch electronically.

MICR & cheque-truncation details

Cheques drawn on the Meghalaya Coop Apex Bank Demthring branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0MCA049 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC YESB0MCA049

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 YESB0MCA049 across all three.

How to use IFSC YESB0MCA049 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's MEGHALAYA COOP APEX BANK DEMTHRING 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 YESB0MCA049.
4. Confirm the bank name auto-populates as Yes Bank and the branch as MEGHALAYA COOP APEX BANK DEMTHRING.
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 MEGHALAYA COOP APEX BANK DEMTHRING

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's MEGHALAYA COOP APEX BANK DEMTHRING branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0MCA049 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 – MEGHALAYA COOP APEX BANK DEMTHRING, use IMPS. With IFSC YESB0MCA049 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 YESB0MCA049 for Yes Bank – MEGHALAYA COOP APEX BANK DEMTHRING, 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 Meghalaya Coop Apex Bank Demthring 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 MEGHALAYA COOP APEX BANK DEMTHRING branch, the IFSC YESB0MCA049 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 Meghalaya Coop Apex Bank Demthring branch

Once you have an account at Yes Bank – MEGHALAYA COOP APEX BANK DEMTHRING, the IFSC YESB0MCA049 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 Meghalaya Coop Apex Bank Demthring branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8575041417.

• 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 YESB0MCA049

Digital banking channels

Most day-to-day work that customers used to do at the Meghalaya Coop Apex Bank Demthring 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 YESB0MCA049 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.

Reaching the branch

The Meghalaya Coop Apex Bank Demthring branch sits at DEMTHRING NONGTHIMMAI SHILLONG 793014. If you are travelling from outside Shillong, search for the branch on a maps application using the bank name and locality, or call 8575041417 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 YESB0MCA049 and your account number.

Common mistakes to avoid when using IFSC YESB0MCA049

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 – MEGHALAYA COOP APEX BANK DEMTHRING, 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: YESB0MCA049.
• 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.

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 Meghalaya Coop Apex Bank Demthring branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0MCA049, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0MCA049 for Yes Bank – MEGHALAYA COOP APEX BANK DEMTHRING, 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 address & contact

Frequently asked questions

Summary

The IFSC code YESB0MCA049 belongs to Yes Bank's MEGHALAYA COOP APEX BANK DEMTHRING branch, located at DEMTHRING NONGTHIMMAI SHILLONG 793014 in SHILLONG, MEGHALAYA. 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.