IFSC Code of The West Bengal State Cooperative Bank, Nadia District Central Co-Operative Bank Ltd Branch, West Bengal

This page lists the IFSC code, branch address, contact number and fund-transfer information for The West Bengal State Cooperative Bank, NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch in KRISHNANAGAR. The 11-digit IFSC WBSC0NDCB21 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The West Bengal State Cooperative Bank at the NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this 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 NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch, the IFSC WBSC0NDCB21 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and NDCB21 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 Nadia District Central Co-Operative Bank Ltd branch — IFSC WBSC0NDCB21 — extends the bank's services to customers in and around Krishnanagar, West Bengal.

About the Nadia District Central Co-Operative Bank Ltd branch

The Nadia District Central Co-Operative Bank Ltd branch of The West Bengal State Cooperative Bank is situated at VILL & P.O-5/672 KATAGANJA P.O BEDIBHAWAN DIST-NADIA PIN-741250. 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 WBSC0NDCB21 is used.

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 NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0NDCB21 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 WBSC0NDCB21 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC WBSC0NDCB21

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 WBSC0NDCB21 across all three.

How to use IFSC WBSC0NDCB21 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).

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 WBSC0NDCB21.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as NADIA DISTRICT CENTRAL 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.

RTGS transfers via IFSC WBSC0NDCB21

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 WBSC0NDCB21 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 – NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD, use IMPS. With IFSC WBSC0NDCB21 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 WBSC0NDCB21 for The West Bengal State Cooperative Bank – NADIA DISTRICT CENTRAL 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 Nadia District Central 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 WBSC0NDCB21

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 – NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD is still mapped to IFSC WBSC0NDCB21. 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 WBSC0NDCB21 and the beneficiary's account number to complete the transfer.

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 WBSC0NDCB21 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.

Products and services

Customers walking into the Nadia District Central Co-Operative Bank Ltd branch can access most of The West Bengal State Cooperative Bank's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC WBSC0NDCB21

MICR & cheque-truncation details

Cheques drawn on the Nadia District Central Co-Operative Bank Ltd branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC WBSC0NDCB21 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Nadia District Central Co-Operative Bank Ltd 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 WBSC0NDCB21 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.

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 – NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD:

• The IFSC is exactly WBSC0NDCB21 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 NADIA DISTRICT CENTRAL 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.

Reaching the branch

The Nadia District Central Co-Operative Bank Ltd branch sits at VILL & P.O-5/672 KATAGANJA P.O BEDIBHAWAN DIST-NADIA PIN-741250. 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 WBSC0NDCB21 and your account number.

Verifying IFSC WBSC0NDCB21 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 WBSC0NDCB21 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.

Working hours

Branch counters at Nadia District Central Co-Operative Bank Ltd 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 WBSC0NDCB21 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code WBSC0NDCB21 belongs to The West Bengal State Cooperative Bank's NADIA DISTRICT CENTRAL CO-OPERATIVE BANK LTD branch, located at VILL & P.O-5/672 KATAGANJA P.O BEDIBHAWAN DIST-NADIA PIN-741250 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.