IFSC Code of The West Bengal State Cooperative Bank, Khardah Co Operative Bank Ltd Branch, West Bengal

Below are the complete branch details for The West Bengal State Cooperative Bank, KHARDAH CO OPERATIVE BANK LTD branch, located in KHARDAH, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is WBSC0KUCB01. 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 WBSC0KUCB01 for The West Bengal State Cooperative Bank – KHARDAH CO OPERATIVE BANK LTD — 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 KHARDAH CO OPERATIVE BANK LTD branch, the IFSC WBSC0KUCB01 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and KUCB01 identifies this particular branch.

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 Khardah Co Operative Bank Ltd branch in Khardah, West Bengal is part of this network and uses the IFSC code WBSC0KUCB01 for all electronic settlement.

About the Khardah Co Operative Bank Ltd branch

The Khardah Co Operative Bank Ltd branch of The West Bengal State Cooperative Bank is situated at P.K.BISWAS ROAD. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code WBSC0KUCB01 is used.

Branch details at a glance

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 KHARDAH CO OPERATIVE BANK LTD of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0KUCB01 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 WBSC0KUCB01 the same way you would treat your account number — verify it once and save it carefully for future use.

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 WBSC0KUCB01 and the account number together uniquely identify the Khardah Co Operative Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC WBSC0KUCB01

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 WBSC0KUCB01 across all three.

How to use IFSC WBSC0KUCB01 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 KHARDAH CO OPERATIVE BANK LTD 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 WBSC0KUCB01.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as KHARDAH CO OPERATIVE BANK LTD.
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 KHARDAH CO OPERATIVE BANK LTD

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's KHARDAH CO OPERATIVE BANK LTD branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0KUCB01 while initiating the transfer and the credit will appear within minutes.

IMPS to The West Bengal State Cooperative Bank KHARDAH CO OPERATIVE BANK LTD (IFSC WBSC0KUCB01)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0KUCB01 in your mobile or internet banking app, and the money is credited to the KHARDAH CO OPERATIVE BANK LTD branch account within seconds.

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

All three modes accept the IFSC WBSC0KUCB01 for The West Bengal State Cooperative Bank – KHARDAH CO OPERATIVE BANK LTD, 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 Khardah Co Operative Bank Ltd 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 WBSC0KUCB01

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 – KHARDAH CO OPERATIVE BANK LTD is still mapped to IFSC WBSC0KUCB01. 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 WBSC0KUCB01 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Khardah Co Operative Bank Ltd branch is mapped to IFSC WBSC0KUCB01 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 WBSC0KUCB01.

Banking services available

The Khardah Co Operative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 25536557.

• 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 WBSC0KUCB01

Online banking and IFSC WBSC0KUCB01

The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the KHARDAH CO OPERATIVE BANK LTD 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 WBSC0KUCB01 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 Khardah Co Operative Bank Ltd branch

The branch is located at P.K.BISWAS ROAD, which puts it inside Khardah, the broader North 24 Parganas 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 Khardah Co Operative Bank Ltd branch” — the verified location pin for IFSC WBSC0KUCB01 should appear at the top of the results.
2. Confirm the branch is open by calling 25536557 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 WBSC0KUCB01 and your account number.

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 – KHARDAH CO OPERATIVE BANK LTD:

• The IFSC is exactly WBSC0KUCB01 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 KHARDAH CO OPERATIVE BANK LTD 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.

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 Khardah Co Operative Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0KUCB01, however, work 24x7.

Verifying IFSC WBSC0KUCB01 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 WBSC0KUCB01 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 25536557.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code WBSC0KUCB01 belongs to The West Bengal State Cooperative Bank's KHARDAH CO OPERATIVE BANK LTD branch, located at P.K.BISWAS ROAD in KHARDAH, 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.