IFSC Code of Yes Bank, Uma Cooperative Bank Nizampura Branch, Gujarat

This page lists the IFSC code, branch address, contact number and fund-transfer information for Yes Bank, UMA COOPERATIVE BANK NIZAMPURA branch in VADODARA. The 11-digit IFSC YESB0UMA002 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 UMA COOPERATIVE BANK NIZAMPURA 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 UMA COOPERATIVE BANK NIZAMPURA branch, the IFSC YESB0UMA002 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and UMA002 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 Uma Cooperative Bank Nizampura branch — IFSC YESB0UMA002 — extends the bank's services to customers in and around Vadodara, Gujarat.

Uma Cooperative Bank Nizampura branch overview

Located at JAY COMPLEX, NIZAMPRA, BARODA - 390002, the Uma Cooperative Bank Nizampura branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0UMA002 is required for all interbank electronic transfers routed through this branch.

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 UMA COOPERATIVE BANK NIZAMPURA branch came to be assigned the code YESB0UMA002.

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 YESB0UMA002, money simply cannot be routed to the UMA COOPERATIVE BANK NIZAMPURA branch electronically.

How to transfer money using IFSC YESB0UMA002

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 YESB0UMA002 across all three.

How to use IFSC YESB0UMA002 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's UMA COOPERATIVE BANK NIZAMPURA 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 YESB0UMA002.
4. Confirm the bank name auto-populates as Yes Bank and the branch as UMA COOPERATIVE BANK NIZAMPURA.
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 YESB0UMA002

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 – UMA COOPERATIVE BANK NIZAMPURA, ensure your bank's portal accepts IFSC YESB0UMA002 while registering the beneficiary. RTGS is also available 24x7.

IMPS to Yes Bank UMA COOPERATIVE BANK NIZAMPURA (IFSC YESB0UMA002)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0UMA002 in your mobile or internet banking app, and the money is credited to the UMA COOPERATIVE BANK NIZAMPURA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Uma Cooperative Bank Nizampura

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 YESB0UMA002:

• 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 UMA COOPERATIVE BANK NIZAMPURA is still linked to IFSC YESB0UMA002.

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.

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 UMA COOPERATIVE BANK NIZAMPURA branch, the IFSC YESB0UMA002 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.

Products and account variants supported

Every account opened at the Uma Cooperative Bank Nizampura branch is mapped to IFSC YESB0UMA002 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 YESB0UMA002.

Banking services available

The Uma Cooperative Bank Nizampura branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 265-2795392.

• 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 YESB0UMA002

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 YESB0UMA002 and the account number together uniquely identify the Uma Cooperative Bank Nizampura branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Online banking and IFSC YESB0UMA002

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the UMA COOPERATIVE BANK NIZAMPURA 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 YESB0UMA002 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.

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 – UMA COOPERATIVE BANK NIZAMPURA:

• The IFSC is exactly YESB0UMA002 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 UMA COOPERATIVE BANK NIZAMPURA 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 Uma Cooperative Bank Nizampura branch sits at JAY COMPLEX, NIZAMPRA, BARODA - 390002. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 265-2795392 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 YESB0UMA002 and your account number.

Verifying IFSC YESB0UMA002 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 YESB0UMA002 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 265-2795392.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Uma Cooperative Bank Nizampura 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 YESB0UMA002 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0UMA002 belongs to Yes Bank's UMA COOPERATIVE BANK NIZAMPURA branch, located at JAY COMPLEX, NIZAMPRA, BARODA - 390002 in VADODARA, 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.