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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The West Bengal State Cooperative Bank, LALGOLA branch in LALGOLA. The 11-digit IFSC WBSC0MCCB13 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 LALGOLA 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.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, WBSC0MCCB13 is the IFSC of The West Bengal State Cooperative Bank's LALGOLA branch. The format is fixed: WBSC = bank code, 0 = reserved, MCCB13 = branch identifier.

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 Lalgola branch — IFSC WBSC0MCCB13 — extends the bank's services to customers in and around Lalgola, West Bengal.

About this branch

The branch is located at LALGOLA, P.O. LALGOLA, 742148. It serves the Lalgola 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 WBSC0MCCB13 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 LALGOLA branch came to be assigned the code WBSC0MCCB13.

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 WBSC0MCCB13, money simply cannot be routed to the LALGOLA branch electronically.

How to transfer money using IFSC WBSC0MCCB13

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 WBSC0MCCB13 across all three.

NEFT to The West Bengal State Cooperative Bank, LALGOLA using IFSC WBSC0MCCB13

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 WBSC0MCCB13, and confirm that the system picks up The West Bengal State Cooperative Bank – LALGOLA. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to LALGOLA

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's LALGOLA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0MCCB13 while initiating the transfer and the credit will appear within minutes.

IMPS to The West Bengal State Cooperative Bank LALGOLA (IFSC WBSC0MCCB13)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0MCCB13 in your mobile or internet banking app, and the money is credited to the LALGOLA branch account within seconds.

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

All three modes accept the IFSC WBSC0MCCB13 for The West Bengal State Cooperative Bank – LALGOLA, 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 Lalgola 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 WBSC0MCCB13

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 – LALGOLA is still mapped to IFSC WBSC0MCCB13. 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 WBSC0MCCB13 and the beneficiary's account number to complete the transfer.

Account types you can open at the Lalgola branch

Once you have an account at The West Bengal State Cooperative Bank – LALGOLA, the IFSC WBSC0MCCB13 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 Lalgola 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 WBSC0MCCB13

MICR & cheque-truncation details

Cheques drawn on the Lalgola branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC WBSC0MCCB13 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 Lalgola 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 WBSC0MCCB13 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 – LALGOLA:

• The IFSC is exactly WBSC0MCCB13 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 LALGOLA 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 Lalgola branch

The branch is located at LALGOLA, P.O. LALGOLA, 742148, which puts it inside Lalgola, 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 Lalgola branch” — the verified location pin for IFSC WBSC0MCCB13 should appear at the top of the results.
2. Confirm the branch is open by calling 3483-274348 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 WBSC0MCCB13 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC WBSC0MCCB13 for The West Bengal State Cooperative Bank – LALGOLA, 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.

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 Lalgola branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0MCCB13, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: WBSC0MCCB13 is the IFSC code of The West Bengal State Cooperative Bank, LALGOLA branch, in LALGOLA, 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.