IFSC Code of Yes Bank, Konark Urban Co Op Bank Ltd Sapna Garden Branch, Maharashtra

Below are the complete branch details for Yes Bank, KONARK URBAN CO OP BANK LTD SAPNA GARDEN branch, located in ULHASNAGAR, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is YESB0KNUCB4. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case YESB0KNUCB4 for Yes Bank – KONARK URBAN CO OP BANK LTD SAPNA GARDEN — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 KONARK URBAN CO OP BANK LTD SAPNA GARDEN branch, the IFSC YESB0KNUCB4 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and KNUCB4 identifies this particular branch.

About Yes Bank

Yes Bank operates a wide network of branches across India, including the Konark Urban Co Op Bank Ltd Sapna Garden branch in Ulhasnagar. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, YESB0KNUCB4.

Branch details at a glance

About this branch

The branch is located at GALA NO B,GROUND FLOOR, KONARK PLAZA,BK NO 1201,CTS NO 9595,ULHASNAGAR-421003. It serves the Ulhasnagar 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 YESB0KNUCB4 is used to identify this branch on the RBI payments network.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Yes Bank's KONARK URBAN CO OP BANK LTD SAPNA GARDEN branch came to be assigned the code YESB0KNUCB4.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC YESB0KNUCB4, money simply cannot be routed to the KONARK URBAN CO OP BANK LTD SAPNA GARDEN branch electronically.

Account types you can open at the Konark Urban Co Op Bank Ltd Sapna Garden branch

Once you have an account at Yes Bank – KONARK URBAN CO OP BANK LTD SAPNA GARDEN, the IFSC YESB0KNUCB4 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 Konark Urban Co Op Bank Ltd Sapna Garden 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 YESB0KNUCB4

How to transfer money using IFSC YESB0KNUCB4

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 YESB0KNUCB4 across all three.

NEFT to Yes Bank, KONARK URBAN CO OP BANK LTD SAPNA GARDEN using IFSC YESB0KNUCB4

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 YESB0KNUCB4, and confirm that the system picks up Yes Bank – KONARK URBAN CO OP BANK LTD SAPNA GARDEN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KONARK URBAN CO OP BANK LTD SAPNA GARDEN

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's KONARK URBAN CO OP BANK LTD SAPNA GARDEN branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0KNUCB4 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank KONARK URBAN CO OP BANK LTD SAPNA GARDEN (IFSC YESB0KNUCB4)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0KNUCB4 in your mobile or internet banking app, and the money is credited to the KONARK URBAN CO OP BANK LTD SAPNA GARDEN branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Konark Urban Co Op Bank Ltd Sapna Garden

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 YESB0KNUCB4:

• 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 KONARK URBAN CO OP BANK LTD SAPNA GARDEN is still linked to IFSC YESB0KNUCB4.

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 YESB0KNUCB4

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 – KONARK URBAN CO OP BANK LTD SAPNA GARDEN is still mapped to IFSC YESB0KNUCB4. 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 YESB0KNUCB4 and the beneficiary's account number to complete the transfer.

Online banking and IFSC YESB0KNUCB4

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the KONARK URBAN CO OP BANK LTD SAPNA GARDEN 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 YESB0KNUCB4 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 Konark Urban Co Op Bank Ltd Sapna Garden branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0KNUCB4 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 YESB0KNUCB4

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 – KONARK URBAN CO OP BANK LTD SAPNA GARDEN, 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: YESB0KNUCB4.
• 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.

How to reach the Konark Urban Co Op Bank Ltd Sapna Garden branch

The branch is located at GALA NO B,GROUND FLOOR, KONARK PLAZA,BK NO 1201,CTS NO 9595,ULHASNAGAR-421003, which puts it inside Ulhasnagar, the broader Thane district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Konark Urban Co Op Bank Ltd Sapna Garden branch” — the verified location pin for IFSC YESB0KNUCB4 should appear at the top of the results.
2. Confirm the branch is open by calling 251-2731675 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 YESB0KNUCB4 and your account number.

Verifying IFSC YESB0KNUCB4 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 YESB0KNUCB4 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 251-2731675.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Konark Urban Co Op Bank Ltd Sapna Garden 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 YESB0KNUCB4 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0KNUCB4 belongs to Yes Bank's KONARK URBAN CO OP BANK LTD SAPNA GARDEN branch, located at GALA NO B,GROUND FLOOR, KONARK PLAZA,BK NO 1201,CTS NO 9595,ULHASNAGAR-421003 in ULHASNAGAR, MAHARASHTRA. 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.