IFSC Code of The West Bengal State Cooperative Bank, Hooghly District Central Co-Operative Bank, Head Office Branch, West Bengal

Use this page as a one-stop reference for everything related to The West Bengal State Cooperative Bank's HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE branch in CHINSURAH, WEST BENGAL. The branch's IFSC code WBSC0HDCB21 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.

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, WBSC0HDCB21 is the IFSC of The West Bengal State Cooperative Bank's HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE branch. The format is fixed: WBSC = bank code, 0 = reserved, HDCB21 = branch identifier.

Bank profile

The West Bengal State Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Hooghly District Central Co-Operative Bank, Head Office branch — IFSC WBSC0HDCB21 — extends the bank's services to customers in and around Chinsurah, West Bengal.

Hooghly District Central Co-Operative Bank, Head Office branch overview

Located at NETAJI SUBHAS ROAD, P.O. CHINSURAH, DIST.HOOGHLY,PIN - 712101, the Hooghly District Central Co-Operative Bank, Head Office branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0HDCB21 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE branch came to be assigned the code WBSC0HDCB21.

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 WBSC0HDCB21, money simply cannot be routed to the HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE branch electronically.

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 WBSC0HDCB21 and the account number together uniquely identify the Hooghly District Central Co-Operative Bank, Head Office branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC WBSC0HDCB21

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 WBSC0HDCB21 across all three.

NEFT to The West Bengal State Cooperative Bank, HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE using IFSC WBSC0HDCB21

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC WBSC0HDCB21, and confirm that the system picks up The West Bengal State Cooperative Bank – HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC WBSC0HDCB21

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 – HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE, ensure your bank's portal accepts IFSC WBSC0HDCB21 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The West Bengal State Cooperative Bank – HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE, use IMPS. With IFSC WBSC0HDCB21 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Hooghly District Central Co-Operative Bank, Head Office

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 WBSC0HDCB21:

• 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 HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE is still linked to IFSC WBSC0HDCB21.

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 WBSC0HDCB21

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 West Bengal State Cooperative Bank – HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE is still mapped to IFSC WBSC0HDCB21. 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 WBSC0HDCB21 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Hooghly District Central Co-Operative Bank, Head Office branch is mapped to IFSC WBSC0HDCB21 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 WBSC0HDCB21.

Banking services available

The Hooghly District Central Co-Operative Bank, Head Office branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-7719378116.

• 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 WBSC0HDCB21

Online banking and IFSC WBSC0HDCB21

The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE 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 WBSC0HDCB21 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.

How to reach the Hooghly District Central Co-Operative Bank, Head Office branch

The branch is located at NETAJI SUBHAS ROAD, P.O. CHINSURAH, DIST.HOOGHLY,PIN - 712101, which puts it inside Chinsurah, the broader Hooghly district, and the state of West Bengal. To plan your visit:

1. Open Google Maps on your phone and search for “The West Bengal State Cooperative Bank Hooghly District Central Co-Operative Bank, Head Office branch” — the verified location pin for IFSC WBSC0HDCB21 should appear at the top of the results.
2. Confirm the branch is open by calling 33-7719378116 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC WBSC0HDCB21 and your account number.

Common mistakes to avoid when using IFSC WBSC0HDCB21

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 – HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE, 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: WBSC0HDCB21.
• 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 Hooghly District Central Co-Operative Bank, Head Office branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0HDCB21, however, work 24x7.

Other ways to verify the IFSC code

While this page already lists the verified IFSC WBSC0HDCB21 for The West Bengal State Cooperative Bank – HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE, 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 address & contact

Frequently asked questions

Final notes

To recap: WBSC0HDCB21 is the IFSC code of The West Bengal State Cooperative Bank, HOOGHLY DISTRICT CENTRAL CO-OPERATIVE BANK, HEAD OFFICE branch, in CHINSURAH, 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.