IFSC Code of Yes Bank, Citizens Coop Bank Jammu Talabtillo Branch, Jammu and Kashmir

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, CITIZENS COOP BANK JAMMU TALABTILLO branch in TALAB-TILLO. The 11-digit IFSC YESB0CJ0116 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 CITIZENS COOP BANK JAMMU TALABTILLO 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.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For Yes Bank's CITIZENS COOP BANK JAMMU TALABTILLO branch, the IFSC YESB0CJ0116 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and CJ0116 identifies this particular branch.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Citizens Coop Bank Jammu Talabtillo branch — IFSC YESB0CJ0116 — extends the bank's services to customers in and around Talab-Tillo, Jammu and Kashmir.

Branch details at a glance

Citizens Coop Bank Jammu Talabtillo branch overview

Located at JAWAHAR NAGAR, TALAB TILLO, JAMMU-180002, the Citizens Coop Bank Jammu Talabtillo branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0CJ0116 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 CITIZENS COOP BANK JAMMU TALABTILLO of Yes Bank — its own 11-character IFSC. The code YESB0CJ0116 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 YESB0CJ0116 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Citizens Coop Bank Jammu Talabtillo branch is mapped to IFSC YESB0CJ0116 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 YESB0CJ0116.

Banking services available

The Citizens Coop Bank Jammu Talabtillo branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 191-2555361.

• 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 YESB0CJ0116

How to transfer money using IFSC YESB0CJ0116

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 YESB0CJ0116 across all three.

How to use IFSC YESB0CJ0116 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's CITIZENS COOP BANK JAMMU TALABTILLO 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 YESB0CJ0116.
4. Confirm the bank name auto-populates as Yes Bank and the branch as CITIZENS COOP BANK JAMMU TALABTILLO.
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 YESB0CJ0116

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 – CITIZENS COOP BANK JAMMU TALABTILLO, ensure your bank's portal accepts IFSC YESB0CJ0116 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – CITIZENS COOP BANK JAMMU TALABTILLO, use IMPS. With IFSC YESB0CJ0116 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 YESB0CJ0116 for Yes Bank – CITIZENS COOP BANK JAMMU TALABTILLO, 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 Citizens Coop Bank Jammu Talabtillo 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 CITIZENS COOP BANK JAMMU TALABTILLO branch, the IFSC YESB0CJ0116 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.

Online banking and IFSC YESB0CJ0116

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the CITIZENS COOP BANK JAMMU TALABTILLO 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 YESB0CJ0116 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.

MICR & cheque-truncation details

Cheques drawn on the Citizens Coop Bank Jammu Talabtillo branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0CJ0116 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Common mistakes to avoid when using IFSC YESB0CJ0116

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 – CITIZENS COOP BANK JAMMU TALABTILLO, 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: YESB0CJ0116.
• 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 Citizens Coop Bank Jammu Talabtillo branch sits at JAWAHAR NAGAR, TALAB TILLO, JAMMU-180002. If you are travelling from outside Talab-Tillo, search for the branch on a maps application using the bank name and locality, or call 191-2555361 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 YESB0CJ0116 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0CJ0116 for Yes Bank – CITIZENS COOP BANK JAMMU TALABTILLO, 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 Citizens Coop Bank Jammu Talabtillo 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 YESB0CJ0116 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0CJ0116 belongs to Yes Bank's CITIZENS COOP BANK JAMMU TALABTILLO branch, located at JAWAHAR NAGAR, TALAB TILLO, JAMMU-180002 in TALAB-TILLO, JAMMU AND KASHMIR. 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.