IFSC Code of Yes Bank, Uma Cooperative Bank Waghodia Road Branch, Gujarat

If you are searching for the IFSC code of Yes Bank, UMA COOPERATIVE BANK WAGHODIA ROAD branch in VADODARA, GUJARAT, this page has every detail you need. The verified IFSC code for this branch is YESB0UMA006. 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 UMA COOPERATIVE BANK WAGHODIA ROAD branch, and detailed step-by-step guides for using the IFSC YESB0UMA006 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.

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 WAGHODIA ROAD branch, the IFSC YESB0UMA006 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and UMA006 identifies this particular branch.

Bank profile

Yes Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Uma Cooperative Bank Waghodia Road branch — IFSC YESB0UMA006 — extends the bank's services to customers in and around Vadodara, Gujarat.

Branch details at a glance

Uma Cooperative Bank Waghodia Road branch overview

Located at 5, NATARAJ SOCIETY, KALA DARSHAN SQUARE, WAGHODIA ROAD, BARODA - 390025, the Uma Cooperative Bank Waghodia Road branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0UMA006 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 WAGHODIA ROAD branch came to be assigned the code YESB0UMA006.

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 YESB0UMA006, money simply cannot be routed to the UMA COOPERATIVE BANK WAGHODIA ROAD branch electronically.

Account types you can open at the Uma Cooperative Bank Waghodia Road branch

Once you have an account at Yes Bank – UMA COOPERATIVE BANK WAGHODIA ROAD, the IFSC YESB0UMA006 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 Uma Cooperative Bank Waghodia Road branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 265-2512341.

• 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 YESB0UMA006

How to transfer money using IFSC YESB0UMA006

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 YESB0UMA006 across all three.

How to use IFSC YESB0UMA006 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 WAGHODIA ROAD 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 YESB0UMA006.
4. Confirm the bank name auto-populates as Yes Bank and the branch as UMA COOPERATIVE BANK WAGHODIA ROAD.
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 YESB0UMA006

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 WAGHODIA ROAD, ensure your bank's portal accepts IFSC YESB0UMA006 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to Yes Bank – UMA COOPERATIVE BANK WAGHODIA ROAD, use IMPS. With IFSC YESB0UMA006 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 Uma Cooperative Bank Waghodia Road

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 YESB0UMA006:

• 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 WAGHODIA ROAD is still linked to IFSC YESB0UMA006.

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 WAGHODIA ROAD branch, the IFSC YESB0UMA006 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.

Digital banking channels

Most day-to-day work that customers used to do at the Uma Cooperative Bank Waghodia Road 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 YESB0UMA006 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.

MICR & cheque-truncation details

Cheques drawn on the Uma Cooperative Bank Waghodia Road branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC YESB0UMA006 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 WAGHODIA ROAD:

• The IFSC is exactly YESB0UMA006 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 WAGHODIA ROAD 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 Waghodia Road branch sits at 5, NATARAJ SOCIETY, KALA DARSHAN SQUARE, WAGHODIA ROAD, BARODA - 390025. If you are travelling from outside Vadodara, search for the branch on a maps application using the bank name and locality, or call 265-2512341 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 YESB0UMA006 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC YESB0UMA006 for Yes Bank – UMA COOPERATIVE BANK WAGHODIA ROAD, 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.

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 Uma Cooperative Bank Waghodia Road branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0UMA006, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0UMA006 belongs to Yes Bank's UMA COOPERATIVE BANK WAGHODIA ROAD branch, located at 5, NATARAJ SOCIETY, KALA DARSHAN SQUARE, WAGHODIA ROAD, BARODA - 390025 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.