Citizens Co Operative Bank Jammu Citizens Coop Bank Jammu Trnsprtngr IFSC Code
Citizens Co Operative Bank Jammu
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Citizens Coop Bank Jammu Trnsprtngr
District
Jammu
State
Jammu And Kashmir
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Citizens Coop Bank Jammu Ware House (ware House - 0104)
Ware House, Jammu-180004
Citizens Coop Bank Jammu Kanakmandi (ahata Shri Niwas Shah - 0106)
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Frequently Asked Questions
About Citizens Co Operative Bank Jammu Citizens Coop Bank Jammu Trnsprtngr (transport Nagar Jammu-180006 - 0108), Jammu
The IFSC code YESB0CJ0108 (lowercase: yesb0cj0108) belongs to Citizens Co Operative Bank Jammu, specifically the Citizens Coop Bank Jammu Trnsprtngr (transport Nagar Jammu-180006 - 0108) branch located in Jammu, Jammu And Kashmir.
The 5th character in the IFSC code YESB0CJ0108 is a zero (0), not the letter 'O'. The correct format is YESB0CJ0108 (lowercase: yesb0cj0108), and not YESBOCJ0108. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Citizens Co Operative Bank Jammu Citizens Coop Bank Jammu Trnsprtngr (transport Nagar Jammu-180006 - 0108) in Jammu, Jammu And Kashmir is YESB0CJ0108. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Citizens Co Operative Bank Jammu Citizens Coop Bank Jammu Trnsprtngr (transport Nagar Jammu-180006 - 0108) is located at Transport Nagar, Jammu-180006, Jammu, Jammu And Kashmir. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Citizens Co Operative Bank Jammu Citizens Coop Bank Jammu Trnsprtngr (transport Nagar Jammu-180006 - 0108) is 180660008. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code YESB0CJ0108 is valid for all three RBI-regulated transfer modes: NEFT (settled in 30-minute batches, no minimum), RTGS (real-time, minimum ₹2 lakh), and IMPS (instant, up to ₹5 lakh). All modes are available 24×7×365 as per RBI guidelines issued in December 2019.
You can verify IFSC code YESB0CJ0108 by checking: (1) The top-left corner of any Citizens Co Operative Bank Jammu Citizens Coop Bank Jammu Trnsprtngr (transport Nagar Jammu-180006 - 0108) cheque leaf, (2) The first page of your Citizens Co Operative Bank Jammu passbook, (3) Your net banking or mobile banking app under "Branch Details", or (4) The RBI's official IFSC lookup at rbi.org.in.
Understanding IFSC Code: YESB0CJ0108
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
YESB0CJ0108
What Each Part Means
- Bank Code — YESB
- The first 4 characters uniquely identify Citizens Co Operative Bank Jammu at the national level. Every branch of Citizens Co Operative Bank Jammu across all states shares this same prefix. It is assigned by the RBI and never changes.
- Reserved — 0
- The 5th character is always 0 (zero), reserved by the RBI for future use. It acts as a separator between the bank identifier and the branch-specific code and is mandatory in all electronic fund transfer systems.
- Branch Code — CJ0108
- The final 6 characters CJ0108 uniquely identify this specific branch within the Citizens Co Operative Bank Jammu network. No two branches share the same branch code. Use this code to verify you have the correct branch before initiating any NEFT, RTGS, or IMPS transfer.
| Segment | Chars | Value | Purpose |
|---|---|---|---|
| Bank Code | 1–4 | YESB | Identifies Citizens Co Operative Bank Jammu |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | CJ0108 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
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Citizens Co Operative Bank Jammu
Citizens Coop Bank Jammu Trnsprtngr (transport Nagar Jammu-180006 - 0108), Jammu, Jammu And Kashmir
Cheque No.
00000108
A/c No.
Authorised Signatory
IFSC vs MICR — Functional Comparison
Two different codes, two different banking systems
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Length & Format | 11 characters — alphanumeric | 9 digits — numeric only |
| This Branch | YESB0CJ0108 | 180660008 |
| Primary Use | Electronic fund transfers: NEFT, RTGS, IMPS, UPI | Physical cheque clearing at clearing houses |
| Medium | Digital / online — no physical document needed | Printed in magnetic ink on cheque leaf bottom band |
| Processing Speed | Real-time (IMPS/UPI) or 30-min batches (NEFT) | T+1 or T+2 clearing cycle via RBI clearing houses |
| Where to Find It | Cheque leaf (top area), passbook first page, net banking | Bottom band of cheque leaf (the printed magnetic strip) |
| Assigned By | RBI — permanent unless branch is relocated/merged | RBI — encodes city (3) + bank (3) + branch (3) digits |
| Required For | Adding a payee / beneficiary for online transfer | Cheque book issuance and clearing house processing |
Source: Reserve Bank of India (RBI) Payment Systems Guidelines. IFSC mandatory for NEFT/RTGS/IMPS since 2010; MICR used by CTS-2010 standard cheque clearing.