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

Use this page as a one-stop reference for everything related to The West Bengal State Cooperative Bank's MURARAI branch in MURARAI, WEST BENGAL. The branch's IFSC code WBSC0BIRB10 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.

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, WBSC0BIRB10 is the IFSC of The West Bengal State Cooperative Bank's MURARAI branch. The format is fixed: WBSC = bank code, 0 = reserved, BIRB10 = branch identifier.

About The West Bengal State Cooperative Bank

The West Bengal State Cooperative Bank operates a wide network of branches across India, including the Murarai branch in Murarai. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, WBSC0BIRB10.

Branch details at a glance

Murarai branch overview

Located at BHADISWAR MORE PO MURARAI DIST BIRBHUM PIN 731219, the Murarai branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC WBSC0BIRB10 is required for all interbank electronic transfers routed through this branch.

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 MURARAI branch came to be assigned the code WBSC0BIRB10.

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 WBSC0BIRB10, money simply cannot be routed to the MURARAI branch electronically.

Products and account variants supported

Every account opened at the Murarai branch is mapped to IFSC WBSC0BIRB10 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 WBSC0BIRB10.

Products and services

Customers walking into the Murarai 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 WBSC0BIRB10

How to transfer money using IFSC WBSC0BIRB10

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 WBSC0BIRB10 across all three.

How to use IFSC WBSC0BIRB10 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 MURARAI 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 WBSC0BIRB10.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as MURARAI.
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 MURARAI

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's MURARAI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0BIRB10 while initiating the transfer and the credit will appear within minutes.

IMPS to The West Bengal State Cooperative Bank MURARAI (IFSC WBSC0BIRB10)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0BIRB10 in your mobile or internet banking app, and the money is credited to the MURARAI branch account within seconds.

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

All three modes accept the IFSC WBSC0BIRB10 for The West Bengal State Cooperative Bank – MURARAI, 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 Murarai 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 MURARAI branch, the IFSC WBSC0BIRB10 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 Murarai 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 WBSC0BIRB10 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 & cheque-truncation details

Cheques drawn on the Murarai branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC WBSC0BIRB10 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 – MURARAI:

• The IFSC is exactly WBSC0BIRB10 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 MURARAI 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.

Reaching the branch

The Murarai branch sits at BHADISWAR MORE PO MURARAI DIST BIRBHUM PIN 731219. If you are travelling from outside Murarai, search for the branch on a maps application using the bank name and locality, or call 3465-252223 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 WBSC0BIRB10 and your account number.

Verifying IFSC WBSC0BIRB10 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 WBSC0BIRB10 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3465-252223.
• Visiting the bank's official branch locator page.

Working hours

Branch counters at Murarai 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 WBSC0BIRB10 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: WBSC0BIRB10 is the IFSC code of The West Bengal State Cooperative Bank, MURARAI branch, in MURARAI, 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.