West Bengal State Coop Bank IFSC and MICR Code:

State wise list of West Bengal State Coop Bank IFSC code, MICR code and addresses of all branches in India

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West Bengal State Co-operative Bank (WBSCB) IFSC Code:

Internet and Electronic Fund Transfer in the banking sector has turned around the way banking was carried out in the earlier days. With the innovation of fund transfer online, settling payments has become a piece of cake. As long as you have all the information needed prior to making an online transaction, the process can take from a few minutes to a few hours. You do not have to take the trouble of going to the bank, getting a demand draft, couriering it to the recipient and then waiting for it to reach the destined location and so on. Only when the designated DD reaches the concerned recipient, you can heave a sigh of relief.

The Reserve Bank of India now enables money transfer through your bank using facilities such as NEFT (National Electronic Fund Transfer) and RTGS (Real Time Gross Settlement). Customers of West Bengal State Co-operative Bank Ltd. can transfer or receive money using these electronic fund transfer mechanisms. Using NEFT/RTGS, you can send funds to another account from your account at West Bengal State Co-operative Bank (WBSCB), anywhere within India. The beneficiary’s account could either belong to the same bank or a different bank, or a different branch.

Indian Financial System Code or IFSC Code is a unique 11-character long code, given by RBI to all bank’s under it that are a part of electronic fund transfer system. All banks and their branches are assigned with identification codes that are used in NEFT/RTGS transactions to identify the specific branch of the bank, where the money is being transferred to. It is an alphanumeric code with the first 4 characters representing the bank’s name, the 5th character is always zero (0) by default and is supposed to be kept for later usage. The last 6 characters helps in identifying the particular branch of the bank.

If you were searching for a WBSCB’s branch IFSC Code, the following way is how it will be represented: WBSC0000021. This is an example of WBSCB’s Sagar branch in the Sagar district of Madhya Pradesh. WBSCis West Bengal State Co-operative Bank, i.e. the name of the bank represented in the first 4 characters of the code. The fifth character as mentioned is zero. 000021is an identification for ‘Sagar Branch’ of the bank.

How to Search for IFSC and MICR Codes of West Bengal State Co-operative Bank (WBSCB)?

IFSC and MICR codes of all banks including the West Bengal State Co-operative Bank, can be found either offline or online. IFSC codes of banks are printed on the cheque books that you receive at the time of account opening. You can either check there or simply ask the bank for it over phone or personally.

However, there are much easier ways when you are sitting in front of your system. With just a few clicks, you can acquire all the information needed prior to NEFT/RTGS transfers. Online, these are the few ways you can opt for:

RBI’s Website: The website gives a comprehensive list of all banks within the electronic fund transfer network. A tab on the bottom left of RBI’s website called ‘IFSC/MICR Codes’ takes you to a page with 2 field- Banks’ name and Branch name. Once you input the information, it displays the name of the branch. You can select the branch and the page will give you an output with its address, IFSC and MICR details.

Third-party Websites: External websites give you a lot of information on banks, without having to register or having to pay. BankBazaar is a website where you can look for both IFSC and MICR details of any bank branch. Their homepage has a tab ‘Bank IFSC Code’ on the bottom left corner. Once you click on it, a page opens where you have to enter the Bank’s name, State, District, Branch name, in that order. The bank branch’s details inclusive of its address, contact number and IFSC code and MICR code.

At WBSCB, customers can settle their payments using NEFT/RTGS channels. Both the channels are maintained by the RBI, hence are fast, safe and secure. Electronic fund transfers can be done either to individuals or organizations.


West Bengal State Co-operative Bank’s customers can transfer funds to other accounts that are NEFT enabled. It is an economical fund transfer mode as the charges levied by banks for outward remittances are relatively lower. There are usually no charges for inward remittances. NEFT works on a DNS basis, which is Deferred Net Settlement. The transactions are cleared in batches at particular points of time, set by the RBI. There is no minimum or maximum limit set for a NEFT transaction, however a single transaction cannot exceed Rs.50, 000. The settlements made are every hour, 11 times on a weekday and 6 times on a Saturday.

NEFT Charges:

RBI allows the banks participating in NEFT transfers to charge a certain amount per transaction.

Transaction Amount

Charge per Transaction (Additional Applicable Taxes)

Up to Rs.10,000

Not greater than Rs.2.50

Rs.10,000 to Rs.1 lakh

Not greater than Rs.5

Rs.1 lakh to Rs.2 lakh

Not greater than Rs.15

Above Rs.2 lakh

Not greater than Rs.25


RTGS is an acronym for Real Time Gross Settlement. Unlike in NEFT, RTGS transactions are cleared individually and hence this mode of settlement is referred to as gross settlement. The transactions are settled instantaneously and does not involve any waiting, hence ‘real-time’. Most of the times, RTGS transactions are of high value and the minimum amount that can be sent via RTGS is Rs.2 lakh. The window provided by RBI to banks on weekdays is between 9AM to 4:30PM and on Saturdays, between 9AM to 2PM.

RTGS Charges:

There is no charge for inward RTGS remittances, however following charges apply for outward payments:

  • Rs.2 lakh to Rs.5 lakh – Not more than Rs.30 per transaction
  • Higher than Rs.5 lakh – Not more than Rs.55 per transaction

In 1918, West Bengal State Co-operative Bank Ltd. was registered in the name of Bengal Provincial Co-op. Federation Ltd. It was later in 1967 that it got its new name which is being used till now. WBSCB has been immensely successful in expanding its customer base with its continued customer focus and ever evolving innovations. For the past 86 years, WBSCB has managed to maintain its popularity by adopting an open and informal culture. West Bengal State Co-operative Bank Ltd. has been involved in various developmental projects and provided an array of banking services to the masses.

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