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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The West Bengal State Cooperative Bank, MIDNAPORE branch in MIDNAPORE. The 11-digit IFSC WBSC0VCCB39 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 MIDNAPORE 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 MIDNAPORE branch, the IFSC WBSC0VCCB39 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and VCCB39 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 Midnapore branch — IFSC WBSC0VCCB39 — extends the bank's services to customers in and around Midnapore, West Bengal.

Midnapore branch overview

Located at AT- CHOTOBAZAR, P.O - MIDNAPUR, DIST.-PASCHIM MEDINIPUR, PIN-721101, the Midnapore branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0VCCB39 is required for all interbank electronic transfers routed through this branch.

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 MIDNAPORE of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0VCCB39 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 WBSC0VCCB39 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 WBSC0VCCB39

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 WBSC0VCCB39 across all three.

NEFT to The West Bengal State Cooperative Bank, MIDNAPORE using IFSC WBSC0VCCB39

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 WBSC0VCCB39, and confirm that the system picks up The West Bengal State Cooperative Bank – MIDNAPORE. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC WBSC0VCCB39

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 – MIDNAPORE, ensure your bank's portal accepts IFSC WBSC0VCCB39 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 – MIDNAPORE, use IMPS. With IFSC WBSC0VCCB39 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 WBSC0VCCB39 for The West Bengal State Cooperative Bank – MIDNAPORE, 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 Midnapore 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 MIDNAPORE branch, the IFSC WBSC0VCCB39 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 Midnapore branch

Once you have an account at The West Bengal State Cooperative Bank – MIDNAPORE, the IFSC WBSC0VCCB39 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 Midnapore branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3222-275744.

• 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 WBSC0VCCB39

MICR & cheque-truncation details

Cheques drawn on the Midnapore branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC WBSC0VCCB39 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC WBSC0VCCB39

The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the MIDNAPORE 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 WBSC0VCCB39 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.

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 – MIDNAPORE:

• The IFSC is exactly WBSC0VCCB39 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 MIDNAPORE 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 Midnapore branch

The branch is located at AT- CHOTOBAZAR, P.O - MIDNAPUR, DIST.-PASCHIM MEDINIPUR, PIN-721101, which puts it inside Midnapore, the broader Paschim Medinipur 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 Midnapore branch” — the verified location pin for IFSC WBSC0VCCB39 should appear at the top of the results.
2. Confirm the branch is open by calling 3222-275744 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 WBSC0VCCB39 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC WBSC0VCCB39 for The West Bengal State Cooperative Bank – MIDNAPORE, 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 Midnapore branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0VCCB39, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: WBSC0VCCB39 is the IFSC code of The West Bengal State Cooperative Bank, MIDNAPORE branch, in MIDNAPORE, 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.