IFSC Code of The West Bengal State Cooperative Bank, The Howrah District Central Co-Opertaive Bank Ltd Penro Branch Branch, West Bengal

Below are the complete branch details for The West Bengal State Cooperative Bank, THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH branch, located in HOWRAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is WBSC0HCCB14. 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 WBSC0HCCB14 for The West Bengal State Cooperative Bank – THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH branch, the IFSC WBSC0HCCB14 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and HCCB14 identifies this particular branch.

Branch details at a glance

Bank profile

The West Bengal State Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Howrah District Central Co-Opertaive Bank Ltd Penro Branch branch — IFSC WBSC0HCCB14 — extends the bank's services to customers in and around Howrah, West Bengal.

About this branch

The branch is located at VILL P.O - PENRO P.S - UNPUR DIST - HOWRAH PIN - 711411. It serves the Howrah 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 WBSC0HCCB14 is used to identify this branch on the RBI payments network.

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 THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH branch came to be assigned the code WBSC0HCCB14.

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 WBSC0HCCB14, money simply cannot be routed to the THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH branch electronically.

How to transfer money using IFSC WBSC0HCCB14

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 WBSC0HCCB14 across all three.

How to use IFSC WBSC0HCCB14 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 THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO 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 WBSC0HCCB14.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH.
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 THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0HCCB14 while initiating the transfer and the credit will appear within minutes.

IMPS to The West Bengal State Cooperative Bank THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH (IFSC WBSC0HCCB14)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0HCCB14 in your mobile or internet banking app, and the money is credited to the THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to The Howrah District Central Co-Opertaive Bank Ltd Penro Branch

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 WBSC0HCCB14:

• 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 THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH is still linked to IFSC WBSC0HCCB14.

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.

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 THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH branch, the IFSC WBSC0HCCB14 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 The Howrah District Central Co-Opertaive Bank Ltd Penro Branch branch is mapped to IFSC WBSC0HCCB14 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 WBSC0HCCB14.

Banking services available

The The Howrah District Central Co-Opertaive Bank Ltd Penro Branch branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3142-50588.

• 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 WBSC0HCCB14

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 WBSC0HCCB14 and the account number together uniquely identify the The Howrah District Central Co-Opertaive Bank Ltd Penro Branch branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Digital banking channels

Most day-to-day work that customers used to do at the The Howrah District Central Co-Opertaive Bank Ltd Penro 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 WBSC0HCCB14 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.

Common mistakes to avoid when using IFSC WBSC0HCCB14

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 – THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO 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: WBSC0HCCB14.
• 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.

How to reach the The Howrah District Central Co-Opertaive Bank Ltd Penro Branch branch

The branch is located at VILL P.O - PENRO P.S - UNPUR DIST - HOWRAH PIN - 711411, which puts it inside Howrah, the broader Howrah 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 The Howrah District Central Co-Opertaive Bank Ltd Penro Branch branch” — the verified location pin for IFSC WBSC0HCCB14 should appear at the top of the results.
2. Confirm the branch is open by calling 3142-50588 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 WBSC0HCCB14 and your account number.

Verifying IFSC WBSC0HCCB14 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 WBSC0HCCB14 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3142-50588.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at The Howrah District Central Co-Opertaive Bank Ltd Penro Branch 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 WBSC0HCCB14 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code WBSC0HCCB14 belongs to The West Bengal State Cooperative Bank's THE HOWRAH DISTRICT CENTRAL CO-OPERTAIVE BANK LTD PENRO BRANCH branch, located at VILL P.O - PENRO P.S - UNPUR DIST - HOWRAH PIN - 711411 in HOWRAH, 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.