IFSC Code of The West Bengal State Cooperative Bank, Balurghat Main Branch Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for The West Bengal State Cooperative Bank, BALURGHAT MAIN BRANCH branch in BALURGHAT. The 11-digit IFSC WBSC0DDCB02 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The West Bengal State Cooperative Bank at the BALURGHAT MAIN BRANCH location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 West Bengal State Cooperative Bank – BALURGHAT MAIN BRANCH is WBSC0DDCB02. The first four letters WBSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters DDCB02 map to this branch in BALURGHAT, WEST BENGAL.

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 Balurghat Main Branch branch in Balurghat, West Bengal is part of this network and uses the IFSC code WBSC0DDCB02 for all electronic settlement.

About this branch

The branch is located at KACHARI ROAD, BALURGHAT. It serves the Balurghat region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The West Bengal State Cooperative Bank. The IFSC WBSC0DDCB02 is used to identify this branch on the RBI payments network.

Branch details at a glance

Why every The West Bengal State Cooperative Bank 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 BALURGHAT MAIN BRANCH of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0DDCB02 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 WBSC0DDCB02 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The West Bengal State Cooperative Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC WBSC0DDCB02 and the account number together uniquely identify the Balurghat Main Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC WBSC0DDCB02

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 WBSC0DDCB02 across all three.

How to use IFSC WBSC0DDCB02 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 BALURGHAT MAIN BRANCH 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 WBSC0DDCB02.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as BALURGHAT MAIN BRANCH.
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 WBSC0DDCB02

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 West Bengal State Cooperative Bank – BALURGHAT MAIN BRANCH, ensure your bank's portal accepts IFSC WBSC0DDCB02 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The West Bengal State Cooperative Bank BALURGHAT MAIN BRANCH (IFSC WBSC0DDCB02)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0DDCB02 in your mobile or internet banking app, and the money is credited to the BALURGHAT MAIN BRANCH branch account within seconds.

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

All three modes accept the IFSC WBSC0DDCB02 for The West Bengal State Cooperative Bank – BALURGHAT MAIN BRANCH, 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 Balurghat Main Branch 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 BALURGHAT MAIN BRANCH branch, the IFSC WBSC0DDCB02 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.

Account types you can open at the Balurghat Main Branch branch

Once you have an account at The West Bengal State Cooperative Bank – BALURGHAT MAIN BRANCH, the IFSC WBSC0DDCB02 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 Balurghat Main Branch branch can access most of The West Bengal State Cooperative Bank'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 WBSC0DDCB02

Online banking and IFSC WBSC0DDCB02

The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the BALURGHAT MAIN BRANCH 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 WBSC0DDCB02 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.

Reaching the branch

The Balurghat Main Branch branch sits at KACHARI ROAD, BALURGHAT. If you are travelling from outside Balurghat, search for the branch on a maps application using the bank name and locality, or call 3522-255379 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 WBSC0DDCB02 and your account number.

Common mistakes to avoid when using IFSC WBSC0DDCB02

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 – BALURGHAT MAIN BRANCH, 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: WBSC0DDCB02.
• 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.

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 Balurghat Main Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0DDCB02, however, work 24x7.

Verifying IFSC WBSC0DDCB02 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm WBSC0DDCB02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3522-255379.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code WBSC0DDCB02 belongs to The West Bengal State Cooperative Bank's BALURGHAT MAIN BRANCH branch, located at KACHARI ROAD, BALURGHAT in BALURGHAT, 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.