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

Below are the complete branch details for The West Bengal State Cooperative Bank, MGCB,CONTAI branch, located in MUGBERIA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is WBSC0MGCB02. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case WBSC0MGCB02 for The West Bengal State Cooperative Bank – MGCB,CONTAI — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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,CONTAI branch, the IFSC WBSC0MGCB02 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and MGCB02 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,Contai branch in Mugberia, West Bengal is part of this network and uses the IFSC code WBSC0MGCB02 for all electronic settlement.

Branch details at a glance

About the Mgcb,Contai branch

The Mgcb,Contai branch of The West Bengal State Cooperative Bank is situated at SARASWATITALA ,P.O - CONTAI, P.S. - CONTAI, DIST-PURBA MEDINIPUR-721401. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code WBSC0MGCB02 is used.

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 MGCB,CONTAI branch came to be assigned the code WBSC0MGCB02.

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 WBSC0MGCB02, money simply cannot be routed to the MGCB,CONTAI branch electronically.

Products and account variants supported

Every account opened at the Mgcb,Contai branch is mapped to IFSC WBSC0MGCB02 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 WBSC0MGCB02.

Products and services

Customers walking into the Mgcb,Contai 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 WBSC0MGCB02

How to transfer money using IFSC WBSC0MGCB02

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 WBSC0MGCB02 across all three.

NEFT to The West Bengal State Cooperative Bank, MGCB,CONTAI using IFSC WBSC0MGCB02

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 WBSC0MGCB02, and confirm that the system picks up The West Bengal State Cooperative Bank – MGCB,CONTAI. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MGCB,CONTAI

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's MGCB,CONTAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0MGCB02 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The West Bengal State Cooperative Bank – MGCB,CONTAI, use IMPS. With IFSC WBSC0MGCB02 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 WBSC0MGCB02 for The West Bengal State Cooperative Bank – MGCB,CONTAI, 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 Mgcb,Contai 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 MGCB,CONTAI branch, the IFSC WBSC0MGCB02 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.

Digital banking channels

Most day-to-day work that customers used to do at the Mgcb,Contai 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 WBSC0MGCB02 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.

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 WBSC0MGCB02 and the account number together uniquely identify the Mgcb,Contai branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC WBSC0MGCB02

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 – MGCB,CONTAI, 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: WBSC0MGCB02.
• 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 Mgcb,Contai branch sits at SARASWATITALA ,P.O - CONTAI, P.S. - CONTAI, DIST-PURBA MEDINIPUR-721401. If you are travelling from outside Mugberia, search for the branch on a maps application using the bank name and locality, or call 3220-3220255053 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 WBSC0MGCB02 and your account number.

Verifying IFSC WBSC0MGCB02 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 WBSC0MGCB02 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3220-3220255053.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Mgcb,Contai 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 WBSC0MGCB02 continue to work without interruption.

Branch address & contact

Frequently asked questions

Summary

The IFSC code WBSC0MGCB02 belongs to The West Bengal State Cooperative Bank's MGCB,CONTAI branch, located at SARASWATITALA ,P.O - CONTAI, P.S. - CONTAI, DIST-PURBA MEDINIPUR-721401 in MUGBERIA, 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.