This page lists the IFSC code, branch address, contact number and fund-transfer information for The West Bengal State Cooperative Bank, KUSHMANDI BR branch in KUSHMANDI. The 11-digit IFSC WBSC0RCCB06 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 KUSHMANDI BR 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.
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 – KUSHMANDI BR is WBSC0RCCB06. The first four letters WBSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters RCCB06 map to this branch in KUSHMANDI, WEST BENGAL.
Branch details at a glance
| Bank Name | The West Bengal State Cooperative Bank |
|---|---|
| Branch | Kushmandi Br |
| IFSC Code | WBSC0RCCB06 |
| MICR Code | Refer to cheque leaf |
| Branch Address | KUSHMANDI BUS STAND,DBYDINAJPUR |
| City | Kushmandi |
| District | D Dinajpur |
| State | West Bengal |
Bank profile
The West Bengal State Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Kushmandi Br branch — IFSC WBSC0RCCB06 — extends the bank's services to customers in and around Kushmandi, West Bengal.
About this branch
The branch is located at KUSHMANDI BUS STAND,DBYDINAJPUR. It serves the Kushmandi 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 WBSC0RCCB06 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 KUSHMANDI BR branch came to be assigned the code WBSC0RCCB06.
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 WBSC0RCCB06, money simply cannot be routed to the KUSHMANDI BR branch electronically.
How to transfer money using IFSC WBSC0RCCB06
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 WBSC0RCCB06 across all three.
NEFT to The West Bengal State Cooperative Bank, KUSHMANDI BR using IFSC WBSC0RCCB06
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 WBSC0RCCB06, and confirm that the system picks up The West Bengal State Cooperative Bank – KUSHMANDI BR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
Real-Time Gross Settlement to KUSHMANDI BR
If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's KUSHMANDI BR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0RCCB06 while initiating the transfer and the credit will appear within minutes.
IMPS to The West Bengal State Cooperative Bank KUSHMANDI BR (IFSC WBSC0RCCB06)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0RCCB06 in your mobile or internet banking app, and the money is credited to the KUSHMANDI BR branch account within seconds.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC WBSC0RCCB06 for The West Bengal State Cooperative Bank – KUSHMANDI BR, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – WBSC0RCCB06 | Yes – WBSC0RCCB06 | Yes – WBSC0RCCB06 |
For most retail customers crediting the Kushmandi Br 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.
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 KUSHMANDI BR branch, the IFSC WBSC0RCCB06 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 Kushmandi Br branch is mapped to IFSC WBSC0RCCB06 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 WBSC0RCCB06.
Products and services
Customers walking into the Kushmandi Br 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 WBSC0RCCB06
MICR & cheque-truncation details
Cheques drawn on the Kushmandi Br branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC WBSC0RCCB06 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
Online banking and IFSC WBSC0RCCB06
The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the KUSHMANDI BR 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 WBSC0RCCB06 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 WBSC0RCCB06
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 – KUSHMANDI BR, 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:
WBSC0RCCB06. - 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 Kushmandi Br branch sits at KUSHMANDI BUS STAND,DBYDINAJPUR. If you are travelling from outside Kushmandi, search for the branch on a maps application using the bank name and locality, or call the branch contact number 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 WBSC0RCCB06 and your account number.
Other ways to verify the IFSC code
While this page already lists the verified IFSC WBSC0RCCB06 for The West Bengal State Cooperative Bank – KUSHMANDI BR, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Working hours
Branch counters at Kushmandi Br 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 WBSC0RCCB06 continue to work without interruption.
Branch address & contact
The West Bengal State Cooperative BankKushmandi Br Branch
KUSHMANDI BUS STAND,DBYDINAJPUR
Kushmandi, West Bengal
Phone: the branch contact number
IFSC: WBSC0RCCB06
Frequently asked questions
How do I add The West Bengal State Cooperative Bank Kushmandi Br as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC WBSC0RCCB06, and complete OTP verification. Once activated, you can transfer funds at any time.
Is IFSC WBSC0RCCB06 the same for all accounts at Kushmandi Br branch?
Yes. The IFSC WBSC0RCCB06 is shared by every account held at The West Bengal State Cooperative Bank's Kushmandi Br branch. Only the account number changes from customer to customer.
What is the phone number of The West Bengal State Cooperative Bank Kushmandi Br branch?
You can reach the branch at the branch contact number during regular banking hours.
How quickly will an NEFT transfer using WBSC0RCCB06 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The West Bengal State Cooperative Bank – Kushmandi Br reflect within 30 minutes.
Does The West Bengal State Cooperative Bank Kushmandi Br branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on the branch contact number to confirm.
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 Kushmandi Br branch but serve different purposes.
Is IFSC WBSC0RCCB06 valid for NEFT and RTGS?
Yes. IFSC WBSC0RCCB06 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
Can I use IFSC WBSC0RCCB06 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC WBSC0RCCB06 to send funds instantly.
Summary
The IFSC code WBSC0RCCB06 belongs to The West Bengal State Cooperative Bank's KUSHMANDI BR branch, located at KUSHMANDI BUS STAND,DBYDINAJPUR in KUSHMANDI, 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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