IFSC Code of The West Bengal State Cooperative Bank, Kandi Branch, West Bengal

If you are searching for the IFSC code of The West Bengal State Cooperative Bank, KANDI branch in KANDI, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is WBSC0MCCB09. 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 KANDI branch, and detailed step-by-step guides for using the IFSC WBSC0MCCB09 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.

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 – KANDI is WBSC0MCCB09. The first four letters WBSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MCCB09 map to this branch in KANDI, WEST BENGAL.

About The West Bengal State Cooperative Bank

The West Bengal State Cooperative Bank operates a wide network of branches across India, including the Kandi branch in Kandi. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, WBSC0MCCB09.

Branch details at a glance

Kandi branch overview

Located at KANDI, P.O. KANDI, 742137, the Kandi branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0MCCB09 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 KANDI branch came to be assigned the code WBSC0MCCB09.

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 WBSC0MCCB09, money simply cannot be routed to the KANDI branch electronically.

Products and account variants supported

Every account opened at the Kandi branch is mapped to IFSC WBSC0MCCB09 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 WBSC0MCCB09.

Banking services available

The Kandi branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3484-255257.

• 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 WBSC0MCCB09

How to transfer money using IFSC WBSC0MCCB09

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 WBSC0MCCB09 across all three.

NEFT to The West Bengal State Cooperative Bank, KANDI using IFSC WBSC0MCCB09

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 WBSC0MCCB09, and confirm that the system picks up The West Bengal State Cooperative Bank – KANDI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to KANDI

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's KANDI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0MCCB09 while initiating the transfer and the credit will appear within minutes.

IMPS to The West Bengal State Cooperative Bank KANDI (IFSC WBSC0MCCB09)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0MCCB09 in your mobile or internet banking app, and the money is credited to the KANDI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Kandi

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 WBSC0MCCB09:

• 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 KANDI is still linked to IFSC WBSC0MCCB09.

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 WBSC0MCCB09

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 – KANDI is still mapped to IFSC WBSC0MCCB09. 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 WBSC0MCCB09 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 Kandi 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 WBSC0MCCB09 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 & cheque-truncation details

Cheques drawn on the Kandi branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC WBSC0MCCB09 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – KANDI:

• The IFSC is exactly WBSC0MCCB09 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 KANDI 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 Kandi branch

The branch is located at KANDI, P.O. KANDI, 742137, which puts it inside Kandi, the broader Murshidabad 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 Kandi branch” — the verified location pin for IFSC WBSC0MCCB09 should appear at the top of the results.
2. Confirm the branch is open by calling 3484-255257 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 WBSC0MCCB09 and your account number.

Verifying IFSC WBSC0MCCB09 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 WBSC0MCCB09 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3484-255257.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Kandi 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 WBSC0MCCB09 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: WBSC0MCCB09 is the IFSC code of The West Bengal State Cooperative Bank, KANDI branch, in KANDI, 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.