IFSC Code of Yes Bank, Sarvodaya Sah Bank Puna Kumbharia Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, SARVODAYA SAH BANK PUNA KUMBHARIA branch in SURAT. The 11-digit IFSC YESB0SSBL05 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 SARVODAYA SAH BANK PUNA KUMBHARIA 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, YESB0SSBL05 is the IFSC of Yes Bank's SARVODAYA SAH BANK PUNA KUMBHARIA branch. The format is fixed: YESB = bank code, 0 = reserved, SSBL05 = branch identifier.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Sarvodaya Sah Bank Puna Kumbharia branch — IFSC YESB0SSBL05 — extends the bank's services to customers in and around Surat, Gujarat.

About this branch

The branch is located at N.J.COMPLEX SURAT BARDOLI ROAD MAGOB SURAT - 395006. 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 YESB0SSBL05 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 SARVODAYA SAH BANK PUNA KUMBHARIA of Yes Bank — its own 11-character IFSC. The code YESB0SSBL05 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 YESB0SSBL05 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Sarvodaya Sah Bank Puna Kumbharia branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0SSBL05 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 YESB0SSBL05

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 YESB0SSBL05 across all three.

How to use IFSC YESB0SSBL05 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's SARVODAYA SAH BANK PUNA KUMBHARIA 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 YESB0SSBL05.
4. Confirm the bank name auto-populates as Yes Bank and the branch as SARVODAYA SAH BANK PUNA KUMBHARIA.
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 YESB0SSBL05

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 – SARVODAYA SAH BANK PUNA KUMBHARIA, ensure your bank's portal accepts IFSC YESB0SSBL05 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – SARVODAYA SAH BANK PUNA KUMBHARIA, use IMPS. With IFSC YESB0SSBL05 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 YESB0SSBL05 for Yes Bank – SARVODAYA SAH BANK PUNA KUMBHARIA, 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 Sarvodaya Sah Bank Puna Kumbharia 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 SARVODAYA SAH BANK PUNA KUMBHARIA branch, the IFSC YESB0SSBL05 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.

Products and account variants supported

Every account opened at the Sarvodaya Sah Bank Puna Kumbharia branch is mapped to IFSC YESB0SSBL05 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 YESB0SSBL05.

Banking services available

The Sarvodaya Sah Bank Puna Kumbharia branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2643626.

• 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 YESB0SSBL05

Online banking and IFSC YESB0SSBL05

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the SARVODAYA SAH BANK PUNA KUMBHARIA 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 YESB0SSBL05 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.

Reaching the branch

The Sarvodaya Sah Bank Puna Kumbharia branch sits at N.J.COMPLEX SURAT BARDOLI ROAD MAGOB SURAT - 395006. If you are travelling from outside Surat, search for the branch on a maps application using the bank name and locality, or call 261-2643626 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 YESB0SSBL05 and your account number.

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 – SARVODAYA SAH BANK PUNA KUMBHARIA:

• The IFSC is exactly YESB0SSBL05 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 SARVODAYA SAH BANK PUNA KUMBHARIA 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.

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 Sarvodaya Sah Bank Puna Kumbharia branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0SSBL05, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0SSBL05 for Yes Bank – SARVODAYA SAH BANK PUNA KUMBHARIA, 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 YESB0SSBL05 belongs to Yes Bank's SARVODAYA SAH BANK PUNA KUMBHARIA branch, located at N.J.COMPLEX SURAT BARDOLI ROAD MAGOB SURAT - 395006 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.