Citizens Urban Co Operative Bank Citizens Urban Coop Bank Nsm IFSC Code
Citizens Urban Co Operative Bank
IFSC · Used for NEFT, IMPS & RTGS
MICR · Used for Cheque Clearance
Branch
Citizens Urban Coop Bank Nsm
District
Jalandhar
State
Punjab
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Other Citizens Urban Co Operative Bank Branches in Jalandhar
4 nearby branches — click to view IFSC
Citizens Urban Coop Bank Partapbagh (partap Nagar Jalandhar - - 0002)
Partap Nagar, Jalandhar - 144001
Citizens Urban Coop Bank Mithapur (mithapur Road Jalandhar - - 0003)
Mithapur Road, Jalandhar - 144001
Citizens Urban Coop Bank Kishanpura (kishan Pura - 0005)
Kishan Pura, Jalandhar - 144002
Citizens Urban Coop Bank Civil Line (opp Circuit House - 0006)
Opp Circuit House, Jalandhar - 144001
Frequently Asked Questions
About Citizens Urban Co Operative Bank Citizens Urban Coop Bank Nsm (new Sabzi Mandi - 0004), Jalandhar
The IFSC code YESB0CB0004 (lowercase: yesb0cb0004) belongs to Citizens Urban Co Operative Bank, specifically the Citizens Urban Coop Bank Nsm (new Sabzi Mandi - 0004) branch located in Jalandhar, Punjab.
The 5th character in the IFSC code YESB0CB0004 is a zero (0), not the letter 'O'. The correct format is YESB0CB0004 (lowercase: yesb0cb0004), and not YESBOCB0004. According to RBI guidelines, the fifth character of all IFSC codes is reserved as a zero.
The IFSC code of Citizens Urban Co Operative Bank Citizens Urban Coop Bank Nsm (new Sabzi Mandi - 0004) in Jalandhar, Punjab is YESB0CB0004. This 11-character code is required for all NEFT, RTGS and IMPS electronic fund transfers to this branch.
Citizens Urban Co Operative Bank Citizens Urban Coop Bank Nsm (new Sabzi Mandi - 0004) is located at New Sabzi Mandi, Jalandhar - 144002, Jalandhar, Punjab. You can click the "View on Google Maps" button on this page to get directions.
The MICR (Magnetic Ink Character Recognition) code of Citizens Urban Co Operative Bank Citizens Urban Coop Bank Nsm (new Sabzi Mandi - 0004) is 144297004. MICR codes are used for cheque processing and are printed at the bottom of cheque leaves in magnetic ink.
Yes. IFSC code YESB0CB0004 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 YESB0CB0004 by checking: (1) The top-left corner of any Citizens Urban Co Operative Bank Citizens Urban Coop Bank Nsm (new Sabzi Mandi - 0004) cheque leaf, (2) The first page of your Citizens Urban Co Operative Bank 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: YESB0CB0004
Decoded structure — 4 + 1 + 6 characters
Visual Breakdown
Swipe to see all
YESB0CB0004
What Each Part Means
- Bank Code — YESB
- The first 4 characters uniquely identify Citizens Urban Co Operative Bank at the national level. Every branch of Citizens Urban Co Operative Bank 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 — CB0004
- The final 6 characters CB0004 uniquely identify this specific branch within the Citizens Urban Co Operative Bank 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 Urban Co Operative Bank |
| Reserved | 5 | 0 | RBI reserved (always 0) |
| Branch Code | 6–11 | CB0004 | Unique to this branch |
Where to Find IFSC & MICR on Your Cheque
Interactive cheque leaf mockup — highlighted fields show live values from this branch
Swipe left to view full cheque
Citizens Urban Co Operative Bank
Citizens Urban Coop Bank Nsm (new Sabzi Mandi - 0004), Jalandhar, Punjab
Cheque No.
00000004
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 | YESB0CB0004 | 144297004 |
| 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.