IFSC Code of The Burdwan Central Co-operative Bank Ltd, Kalna Branch, West Bengal

Use this page as a one-stop reference for everything related to The Burdwan Central Co-operative Bank Ltd's KALNA branch in KALNA, WEST BENGAL. The branch's IFSC code BUCB0000109 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Burdwan Central Co-operative Bank Ltd – KALNA is BUCB0000109. The first four letters BUCB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000109 map to this branch in KALNA, WEST BENGAL.

Branch details at a glance

About The Burdwan Central Co-operative Bank Ltd

The Burdwan Central Co-operative Bank Ltd operates a wide network of branches across India, including the Kalna branch in Kalna. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, BUCB0000109.

About the Kalna branch

The Kalna branch of The Burdwan Central Co-operative Bank Ltd is situated at P O - KALNA DIST - PURBA BARDHAMAN PIN CODE - 713409. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code BUCB0000109 is used.

Why every The Burdwan Central Co-operative Bank Ltd branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including KALNA of The Burdwan Central Co-operative Bank Ltd — its own 11-character IFSC. The code BUCB0000109 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC BUCB0000109 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC BUCB0000109

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 BUCB0000109 across all three.

How to use IFSC BUCB0000109 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Burdwan Central Co-operative Bank Ltd's KALNA 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 BUCB0000109.
4. Confirm the bank name auto-populates as The Burdwan Central Co-operative Bank Ltd and the branch as KALNA.
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 BUCB0000109

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 The Burdwan Central Co-operative Bank Ltd – KALNA, ensure your bank's portal accepts IFSC BUCB0000109 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Burdwan Central Co-operative Bank Ltd KALNA (IFSC BUCB0000109)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC BUCB0000109 in your mobile or internet banking app, and the money is credited to the KALNA branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kalna

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 BUCB0000109:

• 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 KALNA is still linked to IFSC BUCB0000109.

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.

UPI payments and IFSC BUCB0000109

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 The Burdwan Central Co-operative Bank Ltd – KALNA is still mapped to IFSC BUCB0000109. 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 BUCB0000109 and the beneficiary's account number to complete the transfer.

Account types you can open at the Kalna branch

Once you have an account at The Burdwan Central Co-operative Bank Ltd – KALNA, the IFSC BUCB0000109 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.

Products and services

Customers walking into the Kalna branch can access most of The Burdwan Central Co-operative Bank Ltd'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 BUCB0000109

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Burdwan Central Co-operative Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC BUCB0000109 and the account number together uniquely identify the Kalna branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the Kalna 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 BUCB0000109 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.

Common mistakes to avoid when using IFSC BUCB0000109

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Burdwan Central Co-operative Bank Ltd – KALNA, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: BUCB0000109.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

Reaching the branch

The Kalna branch sits at P O - KALNA DIST - PURBA BARDHAMAN PIN CODE - 713409. If you are travelling from outside Kalna, search for the branch on a maps application using the bank name and locality, or call 9046012109 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 BUCB0000109 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC BUCB0000109 for The Burdwan Central Co-operative Bank Ltd – KALNA, 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 Kalna branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC BUCB0000109, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: BUCB0000109 is the IFSC code of The Burdwan Central Co-operative Bank Ltd, KALNA branch, in KALNA, WEST BENGAL. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.