IFSC Code of The West Bengal State Cooperative Bank, Baligeria Branch, West Bengal

Below are the complete branch details for The West Bengal State Cooperative Bank, BALIGERIA branch, located in BALIGERIA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is WBSC0VCCB23. 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 WBSC0VCCB23 for The West Bengal State Cooperative Bank – BALIGERIA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, WBSC0VCCB23 is the IFSC of The West Bengal State Cooperative Bank's BALIGERIA branch. The format is fixed: WBSC = bank code, 0 = reserved, VCCB23 = branch identifier.

Branch details at a glance

About the bank

The West Bengal State Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Baligeria branch in Baligeria, West Bengal is part of this network and uses the IFSC code WBSC0VCCB23 for all electronic settlement.

Baligeria branch overview

Located at P.O - BALIGERIA, DIST.-PASCHIM MEDINIPUR, PIN-721125, the Baligeria branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0VCCB23 is required for all interbank electronic transfers routed through this branch.

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 The West Bengal State Cooperative Bank's BALIGERIA branch came to be assigned the code WBSC0VCCB23.

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 WBSC0VCCB23, money simply cannot be routed to the BALIGERIA branch electronically.

How to transfer money using IFSC WBSC0VCCB23

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 WBSC0VCCB23 across all three.

How to use IFSC WBSC0VCCB23 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The West Bengal State Cooperative Bank's BALIGERIA 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 WBSC0VCCB23.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as BALIGERIA.
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 BALIGERIA

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's BALIGERIA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0VCCB23 while initiating the transfer and the credit will appear within minutes.

IMPS to The West Bengal State Cooperative Bank BALIGERIA (IFSC WBSC0VCCB23)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0VCCB23 in your mobile or internet banking app, and the money is credited to the BALIGERIA branch account within seconds.

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

All three modes accept the IFSC WBSC0VCCB23 for The West Bengal State Cooperative Bank – BALIGERIA, 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 Baligeria 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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The West Bengal State Cooperative Bank's BALIGERIA branch, the IFSC WBSC0VCCB23 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Products and account variants supported

Every account opened at the Baligeria branch is mapped to IFSC WBSC0VCCB23 on the RBI payments network. The branch generally supports the full retail product catalogue of The West Bengal State Cooperative 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 WBSC0VCCB23.

Banking services available

The Baligeria branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3223-267367.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC WBSC0VCCB23

MICR & cheque-truncation details

Cheques drawn on the Baligeria branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC WBSC0VCCB23 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC WBSC0VCCB23

The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the BALIGERIA 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 WBSC0VCCB23 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.

Common mistakes to avoid when using IFSC WBSC0VCCB23

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 West Bengal State Cooperative Bank – BALIGERIA, 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: WBSC0VCCB23.
• 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 Baligeria branch sits at P.O - BALIGERIA, DIST.-PASCHIM MEDINIPUR, PIN-721125. If you are travelling from outside Baligeria, search for the branch on a maps application using the bank name and locality, or call 3223-267367 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 WBSC0VCCB23 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC WBSC0VCCB23 for The West Bengal State Cooperative Bank – BALIGERIA, 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.

Working hours

Branch counters at Baligeria are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to WBSC0VCCB23 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code WBSC0VCCB23 belongs to The West Bengal State Cooperative Bank's BALIGERIA branch, located at P.O - BALIGERIA, DIST.-PASCHIM MEDINIPUR, PIN-721125 in BALIGERIA, WEST BENGAL. 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.