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

Use this page as a one-stop reference for everything related to The West Bengal State Cooperative Bank's RAIPUR branch in RAIPUR, WEST BENGAL. The branch's IFSC code WBSC0MCCB22 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.

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 RAIPUR branch, the IFSC WBSC0MCCB22 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and MCCB22 identifies this particular branch.

About The West Bengal State Cooperative Bank

The West Bengal State Cooperative Bank operates a wide network of branches across India, including the Raipur branch in Raipur. 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, WBSC0MCCB22.

About this branch

The branch is located at VILL & PO-RAIPUR,DIST-MURSHIDABAD,PIN-742303. It serves the Raipur region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of The West Bengal State Cooperative Bank. The IFSC WBSC0MCCB22 is used to identify this branch on the RBI payments network.

Branch details at a glance

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 RAIPUR of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0MCCB22 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 WBSC0MCCB22 the same way you would treat your account number — verify it once and save it carefully for future use.

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 WBSC0MCCB22 and the account number together uniquely identify the Raipur branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC WBSC0MCCB22

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 WBSC0MCCB22 across all three.

How to use IFSC WBSC0MCCB22 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 RAIPUR 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 WBSC0MCCB22.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as RAIPUR.
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 RAIPUR

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's RAIPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0MCCB22 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 – RAIPUR, use IMPS. With IFSC WBSC0MCCB22 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Raipur

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 WBSC0MCCB22:

• 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 RAIPUR is still linked to IFSC WBSC0MCCB22.

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 WBSC0MCCB22

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 – RAIPUR is still mapped to IFSC WBSC0MCCB22. 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 WBSC0MCCB22 and the beneficiary's account number to complete the transfer.

Account types you can open at the Raipur branch

Once you have an account at The West Bengal State Cooperative Bank – RAIPUR, the IFSC WBSC0MCCB22 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.

Products and services

Customers walking into the Raipur 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 WBSC0MCCB22

Online banking and IFSC WBSC0MCCB22

The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the RAIPUR 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 WBSC0MCCB22 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.

How to reach the Raipur branch

The branch is located at VILL & PO-RAIPUR,DIST-MURSHIDABAD,PIN-742303, which puts it inside Raipur, the broader Murshidabad 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 Raipur branch” — the verified location pin for IFSC WBSC0MCCB22 should appear at the top of the results.
2. Confirm the branch is open by calling 33-7872478617 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 WBSC0MCCB22 and your account number.

Common mistakes to avoid when using IFSC WBSC0MCCB22

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 – RAIPUR, 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: WBSC0MCCB22.
• 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.

Working hours

Branch counters at Raipur 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 WBSC0MCCB22 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC WBSC0MCCB22 for The West Bengal State Cooperative Bank – RAIPUR, 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 address & contact

Frequently asked questions

Summary

The IFSC code WBSC0MCCB22 belongs to The West Bengal State Cooperative Bank's RAIPUR branch, located at VILL & PO-RAIPUR,DIST-MURSHIDABAD,PIN-742303 in RAIPUR, 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.