IFSC Code of The West Bengal State Cooperative Bank, Mungpoo 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, MUNGPOO BRANCH branch in DARJEELING. The 11-digit IFSC WBSC0DJCB11 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 MUNGPOO 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 – MUNGPOO BRANCH is WBSC0DJCB11. The first four letters WBSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters DJCB11 map to this branch in DARJEELING, 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 Mungpoo Branch branch in Darjeeling, West Bengal is part of this network and uses the IFSC code WBSC0DJCB11 for all electronic settlement.

Branch details at a glance

Mungpoo Branch branch overview

Located at MUNGPOO, the Mungpoo Branch branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0DJCB11 is required for all interbank electronic transfers routed through this branch.

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 MUNGPOO BRANCH of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0DJCB11 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 WBSC0DJCB11 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Mungpoo Branch branch is mapped to IFSC WBSC0DJCB11 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 WBSC0DJCB11.

Banking services available

The Mungpoo Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3552-255372.

• 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 WBSC0DJCB11

How to transfer money using IFSC WBSC0DJCB11

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 WBSC0DJCB11 across all three.

How to use IFSC WBSC0DJCB11 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 MUNGPOO 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 WBSC0DJCB11.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as MUNGPOO 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 WBSC0DJCB11

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 – MUNGPOO BRANCH, ensure your bank's portal accepts IFSC WBSC0DJCB11 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The West Bengal State Cooperative Bank MUNGPOO BRANCH (IFSC WBSC0DJCB11)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0DJCB11 in your mobile or internet banking app, and the money is credited to the MUNGPOO BRANCH branch account within seconds.

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

All three modes accept the IFSC WBSC0DJCB11 for The West Bengal State Cooperative Bank – MUNGPOO 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 Mungpoo 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.

UPI payments and IFSC WBSC0DJCB11

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 – MUNGPOO BRANCH is still mapped to IFSC WBSC0DJCB11. 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 WBSC0DJCB11 and the beneficiary's account number to complete the transfer.

Digital banking channels

Most day-to-day work that customers used to do at the Mungpoo Branch 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 WBSC0DJCB11 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.

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 WBSC0DJCB11 and the account number together uniquely identify the Mungpoo Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The West Bengal State Cooperative Bank – MUNGPOO BRANCH:

• The IFSC is exactly WBSC0DJCB11 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The West Bengal State Cooperative Bank as the bank name and MUNGPOO BRANCH as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Mungpoo Branch branch

The branch is located at MUNGPOO, which puts it inside Darjeeling, the broader Darjeeling 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 Mungpoo Branch branch” — the verified location pin for IFSC WBSC0DJCB11 should appear at the top of the results.
2. Confirm the branch is open by calling 3552-255372 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 WBSC0DJCB11 and your account number.

Verifying IFSC WBSC0DJCB11 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 WBSC0DJCB11 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3552-255372.
• Visiting the bank's official branch locator page.

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 Mungpoo Branch branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0DJCB11, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: WBSC0DJCB11 is the IFSC code of The West Bengal State Cooperative Bank, MUNGPOO BRANCH branch, in DARJEELING, 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.