Below are the complete branch details for The West Bengal State Cooperative Bank, NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch, located in KRISHNANAGAR, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is WBSC0NDCB20. 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 WBSC0NDCB20 for The West Bengal State Cooperative Bank – NADIA DISTRICT CENTRAL 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 NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch, the IFSC WBSC0NDCB20 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and NDCB20 identifies this particular branch.
Branch details at a glance
| Bank Name | The West Bengal State Cooperative Bank |
|---|---|
| Branch | Nadia District Central Co-Operative Bank Ltd |
| IFSC Code | WBSC0NDCB20 |
| MICR Code | Refer to cheque leaf |
| Branch Address | VILL & P.O MADANPUR P.S CHAKDA DIST NADIA PIN-741545 |
| City | Krishnanagar |
| District | Nadia |
| State | West Bengal |
| STD Code | 33 |
| Phone | 8373072135 |
Bank profile
The West Bengal State Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Nadia District Central Co-Operative Bank Ltd branch — IFSC WBSC0NDCB20 — extends the bank's services to customers in and around Krishnanagar, West Bengal.
Nadia District Central Co-Operative Bank Ltd branch overview
Located at VILL & P.O MADANPUR P.S CHAKDA DIST NADIA PIN-741545, the Nadia District Central Co-Operative Bank Ltd branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0NDCB20 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 NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch came to be assigned the code WBSC0NDCB20.
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 WBSC0NDCB20, money simply cannot be routed to the NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch electronically.
How to transfer money using IFSC WBSC0NDCB20
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 WBSC0NDCB20 across all three.
How to use IFSC WBSC0NDCB20 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 NADIA DISTRICT CENTRAL 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC WBSC0NDCB20.
- Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC WBSC0NDCB20
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 – NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD, ensure your bank's portal accepts IFSC WBSC0NDCB20 while registering the beneficiary. RTGS is also available 24x7.
IMPS to The West Bengal State Cooperative Bank NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD (IFSC WBSC0NDCB20)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0NDCB20 in your mobile or internet banking app, and the money is credited to the NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Nadia District Central Co-Operative Bank Ltd
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 WBSC0NDCB20:
- 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 NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD is still linked to IFSC WBSC0NDCB20.
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 NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch, the IFSC WBSC0NDCB20 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.
Account types you can open at the Nadia District Central Co-Operative Bank Ltd branch
Once you have an account at The West Bengal State Cooperative Bank – NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD, the IFSC WBSC0NDCB20 stays the same regardless of the type of account you hold. The branch typically supports the following options:
- Savings account — for individuals, with chequebook, ATM card and net-banking access.
- Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
- Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
- NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
- Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
- Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
- Minor and student accounts — operated jointly with a guardian until the customer turns 18.
Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.
Banking services available
The Nadia District Central Co-Operative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 33-8373072135.
- 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 WBSC0NDCB20
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 WBSC0NDCB20 and the account number together uniquely identify the Nadia District Central Co-Operative Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
Online banking and IFSC WBSC0NDCB20
The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the NADIA DISTRICT CENTRAL 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 WBSC0NDCB20 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 WBSC0NDCB20
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 – NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD, 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:
WBSC0NDCB20. - 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 Nadia District Central Co-Operative Bank Ltd branch sits at VILL & P.O MADANPUR P.S CHAKDA DIST NADIA PIN-741545. If you are travelling from outside Krishnanagar, search for the branch on a maps application using the bank name and locality, or call 33-8373072135 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 WBSC0NDCB20 and your account number.
Verifying IFSC WBSC0NDCB20 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 WBSC0NDCB20 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 33-8373072135.
- 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 Nadia District Central 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 WBSC0NDCB20, however, work 24x7.
Branch address & contact
The West Bengal State Cooperative BankNadia District Central Co-Operative Bank Ltd Branch
VILL & P.O MADANPUR P.S CHAKDA DIST NADIA PIN-741545
Krishnanagar, West Bengal
Phone: 33-8373072135
IFSC: WBSC0NDCB20
Frequently asked questions
Where is The West Bengal State Cooperative Bank Nadia District Central Co-Operative Bank Ltd branch located?
The West Bengal State Cooperative Bank's Nadia District Central Co-Operative Bank Ltd branch is located at VILL & P.O MADANPUR P.S CHAKDA DIST NADIA PIN-741545, Krishnanagar, West Bengal.
What is the IFSC code of The West Bengal State Cooperative Bank Nadia District Central Co-Operative Bank Ltd branch?
The IFSC code of The West Bengal State Cooperative Bank, Nadia District Central Co-Operative Bank Ltd branch is WBSC0NDCB20. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
How do I add The West Bengal State Cooperative Bank Nadia District Central Co-Operative Bank Ltd as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC WBSC0NDCB20, and complete OTP verification. Once activated, you can transfer funds at any time.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Nadia District Central Co-Operative Bank Ltd branch but serve different purposes.
Can I use IFSC WBSC0NDCB20 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC WBSC0NDCB20 to send funds instantly.
What is the phone number of The West Bengal State Cooperative Bank Nadia District Central Co-Operative Bank Ltd branch?
You can reach the branch at 33-8373072135 during regular banking hours.
Is IFSC WBSC0NDCB20 valid for NEFT and RTGS?
Yes. IFSC WBSC0NDCB20 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using WBSC0NDCB20 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The West Bengal State Cooperative Bank – Nadia District Central Co-Operative Bank Ltd reflect within 30 minutes.
Summary
The IFSC code WBSC0NDCB20 belongs to The West Bengal State Cooperative Bank's NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch, located at VILL & P.O MADANPUR P.S CHAKDA DIST NADIA PIN-741545 in KRISHNANAGAR, 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.
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