IFSC Code of Yes Bank, Panchsheel Coop Bank Kailash Ngr Branch, Gujarat

Use this page as a one-stop reference for everything related to Yes Bank's PANCHSHEEL COOP BANK KAILASH NGR branch in SURAT, GUJARAT. The branch's IFSC code YESB0PMCB04 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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, YESB0PMCB04 is the IFSC of Yes Bank's PANCHSHEEL COOP BANK KAILASH NGR branch. The format is fixed: YESB = bank code, 0 = reserved, PMCB04 = branch identifier.

Branch details at a glance

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Panchsheel Coop Bank Kailash Ngr branch — IFSC YESB0PMCB04 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at KINJAL APARTMENT KAILASH NAGAR SAGARAMPURA SURAT - 395003. It serves the Surat 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 YESB0PMCB04 is used to identify this branch on the RBI payments network.

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 PANCHSHEEL COOP BANK KAILASH NGR of Yes Bank — its own 11-character IFSC. The code YESB0PMCB04 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 YESB0PMCB04 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC YESB0PMCB04

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 YESB0PMCB04 across all three.

NEFT to Yes Bank, PANCHSHEEL COOP BANK KAILASH NGR using IFSC YESB0PMCB04

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 YESB0PMCB04, and confirm that the system picks up Yes Bank – PANCHSHEEL COOP BANK KAILASH NGR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0PMCB04

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 – PANCHSHEEL COOP BANK KAILASH NGR, ensure your bank's portal accepts IFSC YESB0PMCB04 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – PANCHSHEEL COOP BANK KAILASH NGR, use IMPS. With IFSC YESB0PMCB04 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Panchsheel Coop Bank Kailash Ngr

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 YESB0PMCB04:

• 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 PANCHSHEEL COOP BANK KAILASH NGR is still linked to IFSC YESB0PMCB04.

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.

UPI payments and IFSC YESB0PMCB04

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 – PANCHSHEEL COOP BANK KAILASH NGR is still mapped to IFSC YESB0PMCB04. 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 YESB0PMCB04 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Panchsheel Coop Bank Kailash Ngr branch is mapped to IFSC YESB0PMCB04 on the RBI payments network. The branch generally supports the full retail product catalogue of Yes Bank, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains YESB0PMCB04.

Banking services available

The Panchsheel Coop Bank Kailash Ngr branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2463633.

• 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 YESB0PMCB04

MICR & cheque-truncation details

Cheques drawn on the Panchsheel Coop Bank Kailash Ngr branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0PMCB04 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Panchsheel Coop Bank Kailash Ngr 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 YESB0PMCB04 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.

Common mistakes to avoid when using IFSC YESB0PMCB04

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 – PANCHSHEEL COOP BANK KAILASH NGR, 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: YESB0PMCB04.
• 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.

Reaching the branch

The Panchsheel Coop Bank Kailash Ngr branch sits at KINJAL APARTMENT KAILASH NAGAR SAGARAMPURA SURAT - 395003. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2463633 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 YESB0PMCB04 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0PMCB04 for Yes Bank – PANCHSHEEL COOP BANK KAILASH NGR, 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.

Working hours

Branch counters at Panchsheel Coop Bank Kailash Ngr 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 YESB0PMCB04 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0PMCB04 is the IFSC code of Yes Bank, PANCHSHEEL COOP BANK KAILASH NGR branch, in SURAT, 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.