If you are searching for the IFSC code of The West Bengal State Cooperative Bank, EGRA branch in EGRA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is WBSC0VCCB05. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.
You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the EGRA branch, and detailed step-by-step guides for using the IFSC WBSC0VCCB05 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.
An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.
For The West Bengal State Cooperative Bank's EGRA branch, the IFSC WBSC0VCCB05 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and VCCB05 identifies this particular branch.
Branch details at a glance
| Bank Name | The West Bengal State Cooperative Bank |
|---|---|
| Branch | Egra |
| IFSC Code | WBSC0VCCB05 |
| MICR Code | Refer to cheque leaf |
| Branch Address | P.O - EGRA, DIST.-PURBA MEDINIPUR, PIN-721429 |
| City | Egra |
| District | Purba Medinipur |
| State | West Bengal |
| STD Code | 3220 |
| Phone | 244232 |
Bank profile
The West Bengal State Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Egra branch — IFSC WBSC0VCCB05 — extends the bank's services to customers in and around Egra, West Bengal.
Egra branch overview
Located at P.O - EGRA, DIST.-PURBA MEDINIPUR, PIN-721429, the Egra branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0VCCB05 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 EGRA branch came to be assigned the code WBSC0VCCB05.
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 WBSC0VCCB05, money simply cannot be routed to the EGRA branch electronically.
How to transfer money using IFSC WBSC0VCCB05
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 WBSC0VCCB05 across all three.
NEFT to The West Bengal State Cooperative Bank, EGRA using IFSC WBSC0VCCB05
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 WBSC0VCCB05, and confirm that the system picks up The West Bengal State Cooperative Bank – EGRA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC WBSC0VCCB05
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 – EGRA, ensure your bank's portal accepts IFSC WBSC0VCCB05 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 – EGRA, use IMPS. With IFSC WBSC0VCCB05 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC WBSC0VCCB05 for The West Bengal State Cooperative Bank – EGRA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – WBSC0VCCB05 | Yes – WBSC0VCCB05 | Yes – WBSC0VCCB05 |
For most retail customers crediting the Egra 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 EGRA branch, the IFSC WBSC0VCCB05 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 Egra branch is mapped to IFSC WBSC0VCCB05 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 WBSC0VCCB05.
Banking services available
The Egra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3220-244232.
- 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 WBSC0VCCB05
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 WBSC0VCCB05 and the account number together uniquely identify the Egra branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC WBSC0VCCB05
The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the EGRA 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 WBSC0VCCB05 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 WBSC0VCCB05
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 – EGRA, 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:
WBSC0VCCB05. - 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 Egra branch sits at P.O - EGRA, DIST.-PURBA MEDINIPUR, PIN-721429. If you are travelling from outside Egra, search for the branch on a maps application using the bank name and locality, or call 3220-244232 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 WBSC0VCCB05 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC WBSC0VCCB05 for The West Bengal State Cooperative Bank – EGRA, 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 Egra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0VCCB05, however, work 24x7.
Branch address & contact
The West Bengal State Cooperative BankEgra Branch
P.O - EGRA, DIST.-PURBA MEDINIPUR, PIN-721429
Egra, West Bengal
Phone: 3220-244232
IFSC: WBSC0VCCB05
Frequently asked questions
Is IFSC WBSC0VCCB05 the same for all accounts at Egra branch?
Yes. The IFSC WBSC0VCCB05 is shared by every account held at The West Bengal State Cooperative Bank's Egra branch. Only the account number changes from customer to customer.
How quickly will an NEFT transfer using WBSC0VCCB05 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The West Bengal State Cooperative Bank – Egra reflect within 30 minutes.
Can I use IFSC WBSC0VCCB05 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC WBSC0VCCB05 to send funds instantly.
What is the phone number of The West Bengal State Cooperative Bank Egra branch?
You can reach the branch at 3220-244232 during regular banking hours.
Where is The West Bengal State Cooperative Bank Egra branch located?
The West Bengal State Cooperative Bank's Egra branch is located at P.O - EGRA, DIST.-PURBA MEDINIPUR, PIN-721429, Egra, West Bengal.
Is IFSC WBSC0VCCB05 valid for NEFT and RTGS?
Yes. IFSC WBSC0VCCB05 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the IFSC code of The West Bengal State Cooperative Bank Egra branch?
The IFSC code of The West Bengal State Cooperative Bank, Egra branch is WBSC0VCCB05. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add The West Bengal State Cooperative Bank Egra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC WBSC0VCCB05, and complete OTP verification. Once activated, you can transfer funds at any time.
Summary
The IFSC code WBSC0VCCB05 belongs to The West Bengal State Cooperative Bank's EGRA branch, located at P.O - EGRA, DIST.-PURBA MEDINIPUR, PIN-721429 in EGRA, 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.
