IFSC Code of Yes Bank, Vidarbha Merchants Ucb Warora Branch, Maharashtra

Below are the complete branch details for Yes Bank, VIDARBHA MERCHANTS UCB WARORA branch, located in WARODA, MAHARASHTRA. The IFSC assigned by the Reserve Bank of India to this branch is YESB0VMUB03. 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 YESB0VMUB03 for Yes Bank – VIDARBHA MERCHANTS UCB WARORA — 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 VIDARBHA MERCHANTS UCB WARORA branch, the IFSC YESB0VMUB03 breaks down as follows: YESB identifies the bank, 0 is the reserved character, and VMUB03 identifies this particular branch.

About the bank

Yes Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Vidarbha Merchants Ucb Warora branch in Waroda, Maharashtra is part of this network and uses the IFSC code YESB0VMUB03 for all electronic settlement.

Vidarbha Merchants Ucb Warora branch overview

Located at ARYA-NIWAS, ESHAN PLAZA, OPP GOTHI MEDICAL, AMBEDKAR CHOWK, WARORA, CHANDRAPUR - 442907, the Vidarbha Merchants Ucb Warora branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC YESB0VMUB03 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 VIDARBHA MERCHANTS UCB WARORA branch came to be assigned the code YESB0VMUB03.

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 YESB0VMUB03, money simply cannot be routed to the VIDARBHA MERCHANTS UCB WARORA branch electronically.

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 YESB0VMUB03 and the account number together uniquely identify the Vidarbha Merchants Ucb Warora branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC YESB0VMUB03

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 YESB0VMUB03 across all three.

How to use IFSC YESB0VMUB03 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Yes Bank's VIDARBHA MERCHANTS UCB WARORA 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 YESB0VMUB03.
4. Confirm the bank name auto-populates as Yes Bank and the branch as VIDARBHA MERCHANTS UCB WARORA.
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 VIDARBHA MERCHANTS UCB WARORA

If you need to transfer ₹2 lakh or more in one go to an account at Yes Bank's VIDARBHA MERCHANTS UCB WARORA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC YESB0VMUB03 while initiating the transfer and the credit will appear within minutes.

IMPS to Yes Bank VIDARBHA MERCHANTS UCB WARORA (IFSC YESB0VMUB03)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC YESB0VMUB03 in your mobile or internet banking app, and the money is credited to the VIDARBHA MERCHANTS UCB WARORA branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC YESB0VMUB03 for Yes Bank – VIDARBHA MERCHANTS UCB WARORA, 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 Vidarbha Merchants Ucb Warora 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.

UPI payments and IFSC YESB0VMUB03

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 – VIDARBHA MERCHANTS UCB WARORA is still mapped to IFSC YESB0VMUB03. 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 YESB0VMUB03 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Vidarbha Merchants Ucb Warora branch is mapped to IFSC YESB0VMUB03 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 YESB0VMUB03.

Products and services

Customers walking into the Vidarbha Merchants Ucb Warora 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 YESB0VMUB03

Online banking and IFSC YESB0VMUB03

Yes Bank customers can register for net banking and the bank's official mobile app once their account at the VIDARBHA MERCHANTS UCB WARORA 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 YESB0VMUB03 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.

How to reach the Vidarbha Merchants Ucb Warora branch

The branch is located at ARYA-NIWAS, ESHAN PLAZA, OPP GOTHI MEDICAL, AMBEDKAR CHOWK, WARORA, CHANDRAPUR - 442907, which puts it inside Waroda, the broader Chandrapur district, and the state of Maharashtra. To plan your visit:

1. Open Google Maps on your phone and search for “Yes Bank Vidarbha Merchants Ucb Warora branch” — the verified location pin for IFSC YESB0VMUB03 should appear at the top of the results.
2. Confirm the branch is open by calling 7176-280301 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 YESB0VMUB03 and your account number.

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 – VIDARBHA MERCHANTS UCB WARORA:

• The IFSC is exactly YESB0VMUB03 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 VIDARBHA MERCHANTS UCB WARORA 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.

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 Vidarbha Merchants Ucb Warora branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC YESB0VMUB03, however, work 24x7.

Verifying IFSC YESB0VMUB03 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 YESB0VMUB03 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 7176-280301.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code YESB0VMUB03 belongs to Yes Bank's VIDARBHA MERCHANTS UCB WARORA branch, located at ARYA-NIWAS, ESHAN PLAZA, OPP GOTHI MEDICAL, AMBEDKAR CHOWK, WARORA, CHANDRAPUR… in WARODA, 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.