IFSC Code of Yes Bank, Associate Coop Bank Umarwada Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, ASSOCIATE COOP BANK UMARWADA branch in SURAT. The 11-digit IFSC YESB0ASCB03 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 ASSOCIATE COOP BANK UMARWADA 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, YESB0ASCB03 is the IFSC of Yes Bank's ASSOCIATE COOP BANK UMARWADA branch. The format is fixed: YESB = bank code, 0 = reserved, ASCB03 = branch identifier.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Associate Coop Bank Umarwada branch in Surat. 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, YESB0ASCB03.

Branch details at a glance

Associate Coop Bank Umarwada branch overview

Located at UG-20 TO 23, SAI DARSHAN MARKET UMARWADA SURAT -395002, the Associate Coop Bank Umarwada branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0ASCB03 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 ASSOCIATE COOP BANK UMARWADA of Yes Bank — its own 11-character IFSC. The code YESB0ASCB03 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 YESB0ASCB03 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 Associate Coop Bank Umarwada branch

Once you have an account at Yes Bank – ASSOCIATE COOP BANK UMARWADA, the IFSC YESB0ASCB03 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 Associate Coop Bank Umarwada 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 YESB0ASCB03

How to transfer money using IFSC YESB0ASCB03

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 YESB0ASCB03 across all three.

How to use IFSC YESB0ASCB03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's ASSOCIATE COOP BANK UMARWADA 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 YESB0ASCB03.
4. Confirm the bank name auto-populates as Yes Bank and the branch as ASSOCIATE COOP BANK UMARWADA.
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 YESB0ASCB03

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 – ASSOCIATE COOP BANK UMARWADA, ensure your bank's portal accepts IFSC YESB0ASCB03 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank ASSOCIATE COOP BANK UMARWADA (IFSC YESB0ASCB03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0ASCB03 in your mobile or internet banking app, and the money is credited to the ASSOCIATE COOP BANK UMARWADA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Associate Coop Bank Umarwada

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC YESB0ASCB03:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at ASSOCIATE COOP BANK UMARWADA is still linked to IFSC YESB0ASCB03.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

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 ASSOCIATE COOP BANK UMARWADA branch, the IFSC YESB0ASCB03 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 Associate Coop Bank Umarwada 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 YESB0ASCB03 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 YESB0ASCB03 and the account number together uniquely identify the Associate Coop Bank Umarwada 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 – ASSOCIATE COOP BANK UMARWADA:

• The IFSC is exactly YESB0ASCB03 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 ASSOCIATE COOP BANK UMARWADA 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 Associate Coop Bank Umarwada branch sits at UG-20 TO 23, SAI DARSHAN MARKET UMARWADA SURAT -395002. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-3000498 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 YESB0ASCB03 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0ASCB03 for Yes Bank – ASSOCIATE COOP BANK UMARWADA, 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 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 Associate Coop Bank Umarwada branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0ASCB03, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0ASCB03 belongs to Yes Bank's ASSOCIATE COOP BANK UMARWADA branch, located at UG-20 TO 23, SAI DARSHAN MARKET UMARWADA SURAT -395002 in SURAT, GUJARAT. 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.