IFSC Code of Yes Bank, Surat Merc Coop Bank Bhathena Branch, Gujarat

If you are searching for the IFSC code of Yes Bank, SURAT MERC COOP BANK BHATHENA branch in SURAT, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is YESB0SMCB07. 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 BHATHENA branch, and detailed step-by-step guides for using the IFSC YESB0SMCB07 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.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for Yes Bank – SURAT MERC COOP BANK BHATHENA is YESB0SMCB07. The first four letters YESB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SMCB07 map to this branch in SURAT, GUJARAT.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Surat Merc Coop Bank Bhathena branch — IFSC YESB0SMCB07 — extends the bank's services to customers in and around Surat, Gujarat.

Surat Merc Coop Bank Bhathena branch overview

Located at 14-C PLOT NO 132-1-2, SHIV PLAZA, UMIYA MATA ROAD BHATHENA, SURAT - 394210, the Surat Merc Coop Bank Bhathena branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0SMCB07 is required for all interbank electronic transfers routed through this branch.

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 BHATHENA of Yes Bank — its own 11-character IFSC. The code YESB0SMCB07 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 YESB0SMCB07 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 Surat Merc Coop Bank Bhathena branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0SMCB07 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 YESB0SMCB07

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 YESB0SMCB07 across all three.

NEFT to Yes Bank, SURAT MERC COOP BANK BHATHENA using IFSC YESB0SMCB07

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 YESB0SMCB07, and confirm that the system picks up Yes Bank – SURAT MERC COOP BANK BHATHENA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC YESB0SMCB07

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 BHATHENA, ensure your bank's portal accepts IFSC YESB0SMCB07 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 BHATHENA, use IMPS. With IFSC YESB0SMCB07 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 YESB0SMCB07 for Yes Bank – SURAT MERC COOP BANK BHATHENA, 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 Surat Merc Coop Bank Bhathena 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.

UPI payments and IFSC YESB0SMCB07

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 BHATHENA is still mapped to IFSC YESB0SMCB07. 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 YESB0SMCB07 and the beneficiary's account number to complete the transfer.

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

Once you have an account at Yes Bank – SURAT MERC COOP BANK BHATHENA, the IFSC YESB0SMCB07 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 Surat Merc Coop Bank Bhathena branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 261-2331591.

• 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 YESB0SMCB07

Digital banking channels

Most day-to-day work that customers used to do at the Surat Merc Coop Bank Bhathena 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 YESB0SMCB07 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.

How to reach the Surat Merc Coop Bank Bhathena branch

The branch is located at 14-C PLOT NO 132-1-2, SHIV PLAZA, UMIYA MATA ROAD BHATHENA, SURAT - 394210, 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 Bhathena branch” — the verified location pin for IFSC YESB0SMCB07 should appear at the top of the results.
2. Confirm the branch is open by calling 261-2331591 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 YESB0SMCB07 and your account number.

Common mistakes to avoid when using IFSC YESB0SMCB07

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 BHATHENA, 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: YESB0SMCB07.
• 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 Bhathena branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0SMCB07, however, work 24x7.

Verifying IFSC YESB0SMCB07 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 YESB0SMCB07 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 261-2331591.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0SMCB07 belongs to Yes Bank's SURAT MERC COOP BANK BHATHENA branch, located at 14-C PLOT NO 132-1-2, SHIV PLAZA, UMIYA MATA ROAD BHATHENA, SURAT - 394210 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.