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

Below are the complete branch details for The West Bengal State Cooperative Bank, SILDA branch, located in SILDA, WEST BENGAL. The IFSC assigned by the Reserve Bank of India to this branch is WBSC0VCCB31. 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 WBSC0VCCB31 for The West Bengal State Cooperative Bank – SILDA — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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, WBSC0VCCB31 is the IFSC of The West Bengal State Cooperative Bank's SILDA branch. The format is fixed: WBSC = bank code, 0 = reserved, VCCB31 = 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 Silda branch in Silda. 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, WBSC0VCCB31.

About the Silda branch

The Silda branch of The West Bengal State Cooperative Bank is situated at P.O - SILDA, DIST.-PASCHIM MEDINIPUR, PIN-721515. 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 WBSC0VCCB31 is used.

Branch details at a glance

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 SILDA branch came to be assigned the code WBSC0VCCB31.

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 WBSC0VCCB31, money simply cannot be routed to the SILDA branch electronically.

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 WBSC0VCCB31 and the account number together uniquely identify the Silda branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

How to transfer money using IFSC WBSC0VCCB31

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 WBSC0VCCB31 across all three.

How to use IFSC WBSC0VCCB31 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 SILDA 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 WBSC0VCCB31.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as SILDA.
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 SILDA

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's SILDA branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0VCCB31 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 – SILDA, use IMPS. With IFSC WBSC0VCCB31 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 Silda

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 WBSC0VCCB31:

• 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 SILDA is still linked to IFSC WBSC0VCCB31.

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.

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 SILDA branch, the IFSC WBSC0VCCB31 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.

Products and account variants supported

Every account opened at the Silda branch is mapped to IFSC WBSC0VCCB31 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 WBSC0VCCB31.

Banking services available

The Silda branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 3221-252245.

• 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 WBSC0VCCB31

Digital banking channels

Most day-to-day work that customers used to do at the Silda 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 WBSC0VCCB31 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.

How to reach the Silda branch

The branch is located at P.O - SILDA, DIST.-PASCHIM MEDINIPUR, PIN-721515, which puts it inside Silda, the broader Paschim 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 Silda branch” — the verified location pin for IFSC WBSC0VCCB31 should appear at the top of the results.
2. Confirm the branch is open by calling 3221-252245 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 WBSC0VCCB31 and your account number.

Common mistakes to avoid when using IFSC WBSC0VCCB31

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 – SILDA, 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: WBSC0VCCB31.
• 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 Silda 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 WBSC0VCCB31 continue to work without interruption.

Verifying IFSC WBSC0VCCB31 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 WBSC0VCCB31 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3221-252245.
• Visiting the bank's official branch locator page.

Branch address & contact

Frequently asked questions

Summary

The IFSC code WBSC0VCCB31 belongs to The West Bengal State Cooperative Bank's SILDA branch, located at P.O - SILDA, DIST.-PASCHIM MEDINIPUR, PIN-721515 in SILDA, 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.