IFSC Code of Yes Bank, Meghalaya Coop Apex Bank Ummulong Branch, Meghalaya

Use this page as a one-stop reference for everything related to Yes Bank's MEGHALAYA COOP APEX BANK UMMULONG branch in UMMULONG, MEGHALAYA. The branch's IFSC code YESB0MCA040 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

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 MEGHALAYA COOP APEX BANK UMMULONG branch, the IFSC YESB0MCA040 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and MCA040 identifies this particular branch.

Branch details at a glance

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Meghalaya Coop Apex Bank Ummulong branch — IFSC YESB0MCA040 — extends the bank's services to customers in and around Ummulong, Meghalaya.

Meghalaya Coop Apex Bank Ummulong branch overview

Located at UMMULONG 793151 JAINTIA HILLS DISTRICT, the Meghalaya Coop Apex Bank Ummulong branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0MCA040 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 MEGHALAYA COOP APEX BANK UMMULONG of Yes Bank — its own 11-character IFSC. The code YESB0MCA040 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 YESB0MCA040 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC YESB0MCA040

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 YESB0MCA040 across all three.

How to use IFSC YESB0MCA040 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's MEGHALAYA COOP APEX BANK UMMULONG 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 YESB0MCA040.
4. Confirm the bank name auto-populates as Yes Bank and the branch as MEGHALAYA COOP APEX BANK UMMULONG.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MEGHALAYA COOP APEX BANK UMMULONG

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's MEGHALAYA COOP APEX BANK UMMULONG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0MCA040 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – MEGHALAYA COOP APEX BANK UMMULONG, use IMPS. With IFSC YESB0MCA040 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 Meghalaya Coop Apex Bank Ummulong

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 YESB0MCA040:

• 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 MEGHALAYA COOP APEX BANK UMMULONG is still linked to IFSC YESB0MCA040.

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 YESB0MCA040

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 – MEGHALAYA COOP APEX BANK UMMULONG is still mapped to IFSC YESB0MCA040. 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 YESB0MCA040 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Meghalaya Coop Apex Bank Ummulong branch is mapped to IFSC YESB0MCA040 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 YESB0MCA040.

Banking services available

The Meghalaya Coop Apex Bank Ummulong branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 8575019928.

• 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 YESB0MCA040

MICR & cheque-truncation details

Cheques drawn on the Meghalaya Coop Apex Bank Ummulong branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0MCA040 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Meghalaya Coop Apex Bank Ummulong 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 YESB0MCA040 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.

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 – MEGHALAYA COOP APEX BANK UMMULONG:

• The IFSC is exactly YESB0MCA040 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 MEGHALAYA COOP APEX BANK UMMULONG 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.

Reaching the branch

The Meghalaya Coop Apex Bank Ummulong branch sits at UMMULONG 793151 JAINTIA HILLS DISTRICT. If you are travelling from outside Ummulong, search for the branch on a maps application using the bank name and locality, or call 8575019928 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 YESB0MCA040 and your account number.

Verifying IFSC YESB0MCA040 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 YESB0MCA040 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 8575019928.
• Visiting the bank's official branch locator page.

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 Meghalaya Coop Apex Bank Ummulong branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0MCA040, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0MCA040 belongs to Yes Bank's MEGHALAYA COOP APEX BANK UMMULONG branch, located at UMMULONG 793151 JAINTIA HILLS DISTRICT in UMMULONG, MEGHALAYA. 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.