IFSC Code of Yes Bank, Surat Merc Coop Bank Bhatar Road Branch, Gujarat

If you are searching for the IFSC code of Yes Bank, SURAT MERC COOP BANK BHATAR ROAD branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is YESB0SMCB11. 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 SURAT MERC COOP BANK BHATAR ROAD branch, and detailed step-by-step guides for using the IFSC YESB0SMCB11 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.

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, YESB0SMCB11 is the IFSC of Yes Bank's SURAT MERC COOP BANK BHATAR ROAD branch. The format is fixed: YESB = bank code, 0 = reserved, SMCB11 = branch identifier.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Surat Merc Coop Bank Bhatar Road branch in Surat, Gujarat is part of this network and uses the IFSC code YESB0SMCB11 for all electronic settlement.

About the Surat Merc Coop Bank Bhatar Road branch

The Surat Merc Coop Bank Bhatar Road branch of Yes Bank is situated at SHOP NO 1 TO MEGHNA COMPLEX 1ST FLOOR UDHNA MAGDALLA ROAD SURAT - 395007. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code YESB0SMCB11 is used.

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 SURAT MERC COOP BANK BHATAR ROAD of Yes Bank — its own 11-character IFSC. The code YESB0SMCB11 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 YESB0SMCB11 the same way you would treat your account number — verify it once and save it carefully for future use.

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 YESB0SMCB11 and the account number together uniquely identify the Surat Merc Coop Bank Bhatar Road branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0SMCB11

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 YESB0SMCB11 across all three.

NEFT to Yes Bank, SURAT MERC COOP BANK BHATAR ROAD using IFSC YESB0SMCB11

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 YESB0SMCB11, and confirm that the system picks up Yes Bank – SURAT MERC COOP BANK BHATAR ROAD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0SMCB11

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 – SURAT MERC COOP BANK BHATAR ROAD, ensure your bank's portal accepts IFSC YESB0SMCB11 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – SURAT MERC COOP BANK BHATAR ROAD, use IMPS. With IFSC YESB0SMCB11 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 Surat Merc Coop Bank Bhatar Road

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 YESB0SMCB11:

• 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 SURAT MERC COOP BANK BHATAR ROAD is still linked to IFSC YESB0SMCB11.

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 YESB0SMCB11

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 – SURAT MERC COOP BANK BHATAR ROAD is still mapped to IFSC YESB0SMCB11. 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 YESB0SMCB11 and the beneficiary's account number to complete the transfer.

Account types you can open at the Surat Merc Coop Bank Bhatar Road branch

Once you have an account at Yes Bank – SURAT MERC COOP BANK BHATAR ROAD, the IFSC YESB0SMCB11 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 Surat Merc Coop Bank Bhatar Road 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 YESB0SMCB11

Online banking and IFSC YESB0SMCB11

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the SURAT MERC COOP BANK BHATAR ROAD 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 YESB0SMCB11 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.

How to reach the Surat Merc Coop Bank Bhatar Road branch

The branch is located at SHOP NO 1 TO MEGHNA COMPLEX 1ST FLOOR UDHNA MAGDALLA ROAD SURAT - 395007, which puts it inside Surat, the broader Surat district, and the state of Gujarat. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Surat Merc Coop Bank Bhatar Road branch” — the verified location pin for IFSC YESB0SMCB11 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2232133 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC YESB0SMCB11 and your account number.

Common mistakes to avoid when using IFSC YESB0SMCB11

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 – SURAT MERC COOP BANK BHATAR ROAD, 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: YESB0SMCB11.
• 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 Surat Merc Coop Bank Bhatar Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0SMCB11, however, work 24x7.

Verifying IFSC YESB0SMCB11 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 YESB0SMCB11 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2232133.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Final notes

To recap: YESB0SMCB11 is the IFSC code of Yes Bank, SURAT MERC COOP BANK BHATAR ROAD 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.