IFSC Code of The West Bengal State Cooperative Bank, Mgcb,Bhagwanpur Evening Branch, West Bengal

If you are searching for the IFSC code of The West Bengal State Cooperative Bank, MGCB,BHAGWANPUR EVENING branch in MUGBERIA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is WBSC0MGCB11. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the MGCB,BHAGWANPUR EVENING branch, and detailed step-by-step guides for using the IFSC WBSC0MGCB11 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular 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 MGCB,BHAGWANPUR EVENING branch, the IFSC WBSC0MGCB11 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and MGCB11 identifies this particular branch.

About the bank

The West Bengal State Cooperative Bank serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Mgcb,Bhagwanpur Evening branch in Mugberia, West Bengal is part of this network and uses the IFSC code WBSC0MGCB11 for all electronic settlement.

Branch details at a glance

Mgcb,Bhagwanpur Evening branch overview

Located at VILL -BENUDIA P.O - BHAGWANPUR, P.S. - BHAGWANPUR, DIST-PURBA MEDINIPUR-721601, the Mgcb,Bhagwanpur Evening branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0MGCB11 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 MGCB,BHAGWANPUR EVENING of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0MGCB11 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 WBSC0MGCB11 the same way you would treat your account number — verify it once and save it carefully for future use.

Products and account variants supported

Every account opened at the Mgcb,Bhagwanpur Evening branch is mapped to IFSC WBSC0MGCB11 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 WBSC0MGCB11.

Banking services available

The Mgcb,Bhagwanpur Evening branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3220-3220272004.

• 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 WBSC0MGCB11

How to transfer money using IFSC WBSC0MGCB11

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 WBSC0MGCB11 across all three.

How to use IFSC WBSC0MGCB11 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 MGCB,BHAGWANPUR EVENING 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 WBSC0MGCB11.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as MGCB,BHAGWANPUR EVENING.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

Real-Time Gross Settlement to MGCB,BHAGWANPUR EVENING

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's MGCB,BHAGWANPUR EVENING branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0MGCB11 while initiating the transfer and the credit will appear within minutes.

IMPS to The West Bengal State Cooperative Bank MGCB,BHAGWANPUR EVENING (IFSC WBSC0MGCB11)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0MGCB11 in your mobile or internet banking app, and the money is credited to the MGCB,BHAGWANPUR EVENING branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Mgcb,Bhagwanpur Evening

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC WBSC0MGCB11:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at MGCB,BHAGWANPUR EVENING is still linked to IFSC WBSC0MGCB11.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC WBSC0MGCB11

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 – MGCB,BHAGWANPUR EVENING is still mapped to IFSC WBSC0MGCB11. 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 WBSC0MGCB11 and the beneficiary's account number to complete the transfer.

Online banking and IFSC WBSC0MGCB11

The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the MGCB,BHAGWANPUR EVENING 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 WBSC0MGCB11 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.

MICR & cheque-truncation details

Cheques drawn on the Mgcb,Bhagwanpur Evening branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC WBSC0MGCB11 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MGCB,BHAGWANPUR EVENING:

• The IFSC is exactly WBSC0MGCB11 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 MGCB,BHAGWANPUR EVENING 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 Mgcb,Bhagwanpur Evening branch

The branch is located at VILL -BENUDIA P.O - BHAGWANPUR, P.S. - BHAGWANPUR, DIST-PURBA MEDINIPUR-721601, which puts it inside Mugberia, the broader Purba 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 Mgcb,Bhagwanpur Evening branch” — the verified location pin for IFSC WBSC0MGCB11 should appear at the top of the results.
2. Confirm the branch is open by calling 3220-3220272004 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 WBSC0MGCB11 and your account number.

Verifying IFSC WBSC0MGCB11 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 WBSC0MGCB11 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3220-3220272004.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mgcb,Bhagwanpur Evening 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 WBSC0MGCB11 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: WBSC0MGCB11 is the IFSC code of The West Bengal State Cooperative Bank, MGCB,BHAGWANPUR EVENING branch, in MUGBERIA, 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.