If you are searching for the IFSC code of The West Bengal State Cooperative Bank, RISHRA branch in RISHRA, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is WBSC0HDCB04. 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 RISHRA branch, and detailed step-by-step guides for using the IFSC WBSC0HDCB04 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 RISHRA branch, the IFSC WBSC0HDCB04 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and HDCB04 identifies this particular branch.
Bank profile
The West Bengal State Cooperative Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The Rishra branch — IFSC WBSC0HDCB04 — extends the bank's services to customers in and around Rishra, West Bengal.
Branch details at a glance
| Bank Name | The West Bengal State Cooperative Bank |
|---|---|
| Branch | Rishra |
| IFSC Code | WBSC0HDCB04 |
| MICR Code | Refer to cheque leaf |
| Branch Address | PANCHASAR APPARTMENT MORE PUKUR ROAD,RISHRA,PIN 712248 |
| City | Rishra |
| District | Hooghly (hugli) |
| State | West Bengal |
About the Rishra branch
The Rishra branch of The West Bengal State Cooperative Bank is situated at PANCHASAR APPARTMENT MORE PUKUR ROAD,RISHRA,PIN 712248. 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 WBSC0HDCB04 is used.
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 RISHRA of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0HDCB04 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 WBSC0HDCB04 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 Rishra branch is mapped to IFSC WBSC0HDCB04 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 WBSC0HDCB04.
Banking services available
The Rishra branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- 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 WBSC0HDCB04
How to transfer money using IFSC WBSC0HDCB04
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 WBSC0HDCB04 across all three.
How to use IFSC WBSC0HDCB04 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 RISHRA 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC WBSC0HDCB04.
- Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as RISHRA.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC WBSC0HDCB04
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 – RISHRA, ensure your bank's portal accepts IFSC WBSC0HDCB04 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 – RISHRA, use IMPS. With IFSC WBSC0HDCB04 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 WBSC0HDCB04 for The West Bengal State Cooperative Bank – RISHRA, 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.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – WBSC0HDCB04 | Yes – WBSC0HDCB04 | Yes – WBSC0HDCB04 |
For most retail customers crediting the Rishra 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.
UPI payments and IFSC WBSC0HDCB04
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 – RISHRA is still mapped to IFSC WBSC0HDCB04. 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 WBSC0HDCB04 and the beneficiary's account number to complete the transfer.
Online banking and IFSC WBSC0HDCB04
The West Bengal State Cooperative Bank customers can register for net banking and the bank's official mobile app once their account at the RISHRA 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 WBSC0HDCB04 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 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 WBSC0HDCB04 and the account number together uniquely identify the Rishra 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 WBSC0HDCB04
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 – RISHRA, 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:
WBSC0HDCB04. - 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.
How to reach the Rishra branch
The branch is located at PANCHASAR APPARTMENT MORE PUKUR ROAD,RISHRA,PIN 712248, which puts it inside Rishra, the broader Hooghly (hugli) district, and the state of West Bengal. To plan your visit:
- Open Google Maps on your phone and search for “The West Bengal State Cooperative Bank Rishra branch” — the verified location pin for IFSC WBSC0HDCB04 should appear at the top of the results.
- Confirm the branch is open by calling the branch contact number before stepping out, especially around public holidays.
- 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 WBSC0HDCB04 and your account number.
Verifying IFSC WBSC0HDCB04 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 WBSC0HDCB04 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on the branch contact number.
- Visiting the bank's official branch locator page.
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 Rishra branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0HDCB04, however, work 24x7.
Branch address & contact
The West Bengal State Cooperative BankRishra Branch
PANCHASAR APPARTMENT MORE PUKUR ROAD,RISHRA,PIN 712248
Rishra, West Bengal
Phone: the branch contact number
IFSC: WBSC0HDCB04
Frequently asked questions
Can I use IFSC WBSC0HDCB04 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC WBSC0HDCB04 to send funds instantly.
What is the IFSC code of The West Bengal State Cooperative Bank Rishra branch?
The IFSC code of The West Bengal State Cooperative Bank, Rishra branch is WBSC0HDCB04. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC WBSC0HDCB04 valid for NEFT and RTGS?
Yes. IFSC WBSC0HDCB04 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How quickly will an NEFT transfer using WBSC0HDCB04 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The West Bengal State Cooperative Bank – Rishra reflect within 30 minutes.
What is the phone number of The West Bengal State Cooperative Bank Rishra branch?
You can reach the branch at the branch contact number during regular banking hours.
How do I add The West Bengal State Cooperative Bank Rishra as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC WBSC0HDCB04, and complete OTP verification. Once activated, you can transfer funds at any time.
Final notes
To recap: WBSC0HDCB04 is the IFSC code of The West Bengal State Cooperative Bank, RISHRA branch, in RISHRA, 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.
