Use this page as a one-stop reference for everything related to The West Bengal State Cooperative Bank's MALDA DCCB AMRITY branch in MALDA, WEST BENGAL. The branch's IFSC code WBSC0MALD17 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.
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 – MALDA DCCB AMRITY is WBSC0MALD17. The first four letters WBSC are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters MALD17 map to this branch in MALDA, 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 Malda Dccb Amrity branch — IFSC WBSC0MALD17 — extends the bank's services to customers in and around Malda, West Bengal.
Malda Dccb Amrity branch overview
Located at ENGLISH BAZAR,PO.AMRITY732208, the Malda Dccb Amrity branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0MALD17 is required for all interbank electronic transfers routed through this branch.
Branch details at a glance
| Bank Name | The West Bengal State Cooperative Bank |
|---|---|
| Branch | Malda Dccb Amrity |
| IFSC Code | WBSC0MALD17 |
| MICR Code | Refer to cheque leaf |
| Branch Address | ENGLISH BAZAR,PO.AMRITY732208 |
| City | Malda |
| District | Maldah |
| State | West Bengal |
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 MALDA DCCB AMRITY branch came to be assigned the code WBSC0MALD17.
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 WBSC0MALD17, money simply cannot be routed to the MALDA DCCB AMRITY branch electronically.
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 WBSC0MALD17 and the account number together uniquely identify the Malda Dccb Amrity branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC WBSC0MALD17
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 WBSC0MALD17 across all three.
NEFT to The West Bengal State Cooperative Bank, MALDA DCCB AMRITY using IFSC WBSC0MALD17
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 WBSC0MALD17, and confirm that the system picks up The West Bengal State Cooperative Bank – MALDA DCCB AMRITY. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC WBSC0MALD17
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 – MALDA DCCB AMRITY, ensure your bank's portal accepts IFSC WBSC0MALD17 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 – MALDA DCCB AMRITY, use IMPS. With IFSC WBSC0MALD17 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 WBSC0MALD17 for The West Bengal State Cooperative Bank – MALDA DCCB AMRITY, 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 – WBSC0MALD17 | Yes – WBSC0MALD17 | Yes – WBSC0MALD17 |
For most retail customers crediting the Malda Dccb Amrity 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 MALDA DCCB AMRITY branch, the IFSC WBSC0MALD17 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 Malda Dccb Amrity branch is mapped to IFSC WBSC0MALD17 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 WBSC0MALD17.
Banking services available
The Malda Dccb Amrity branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 WBSC0MALD17
Digital banking channels
Most day-to-day work that customers used to do at the Malda Dccb Amrity 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 WBSC0MALD17 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.
How to reach the Malda Dccb Amrity branch
The branch is located at ENGLISH BAZAR,PO.AMRITY732208, which puts it inside Malda, the broader Maldah district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “The West Bengal State Cooperative Bank Malda Dccb Amrity branch” — the verified location pin for IFSC WBSC0MALD17 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 WBSC0MALD17 and your account number.
Common mistakes to avoid when using IFSC WBSC0MALD17
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 – MALDA DCCB AMRITY, 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:
WBSC0MALD17. - 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.
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 Malda Dccb Amrity branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0MALD17, however, work 24x7.
Verifying IFSC WBSC0MALD17 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 WBSC0MALD17 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
Branch address & contact
The West Bengal State Cooperative BankMalda Dccb Amrity Branch
ENGLISH BAZAR,PO.AMRITY732208
Malda, West Bengal
Phone: the branch contact number
IFSC: WBSC0MALD17
Frequently asked questions
What is the IFSC code of The West Bengal State Cooperative Bank Malda Dccb Amrity branch?
The IFSC code of The West Bengal State Cooperative Bank, Malda Dccb Amrity branch is WBSC0MALD17. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC WBSC0MALD17 the same for all accounts at Malda Dccb Amrity branch?
Yes. The IFSC WBSC0MALD17 is shared by every account held at The West Bengal State Cooperative Bank's Malda Dccb Amrity branch. Only the account number changes from customer to customer.
Can I use IFSC WBSC0MALD17 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC WBSC0MALD17 to send funds instantly.
How quickly will an NEFT transfer using WBSC0MALD17 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The West Bengal State Cooperative Bank – Malda Dccb Amrity reflect within 30 minutes.
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 Malda Dccb Amrity branch but serve different purposes.
How do I add The West Bengal State Cooperative Bank Malda Dccb Amrity as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC WBSC0MALD17, and complete OTP verification. Once activated, you can transfer funds at any time.
Where is The West Bengal State Cooperative Bank Malda Dccb Amrity branch located?
The West Bengal State Cooperative Bank's Malda Dccb Amrity branch is located at ENGLISH BAZAR,PO.AMRITY732208, Malda, West Bengal.
Summary
The IFSC code WBSC0MALD17 belongs to The West Bengal State Cooperative Bank's MALDA DCCB AMRITY branch, located at ENGLISH BAZAR,PO.AMRITY732208 in MALDA, 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.
