IFSC Code of The West Bengal State Cooperative Bank, Visva Bharati Branch, West Bengal

If you are searching for the IFSC code of The West Bengal State Cooperative Bank, VISVA BHARATI branch in SRINIKETAN, WEST BENGAL, this page has every detail you need. The verified IFSC code for this branch is WBSC0BIRB05. 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 VISVA BHARATI branch, and detailed step-by-step guides for using the IFSC WBSC0BIRB05 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 VISVA BHARATI branch, the IFSC WBSC0BIRB05 breaks down as follows: WBSC identifies the bank, 0 is the reserved character, and BIRB05 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 Visva Bharati branch in Sriniketan. 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, WBSC0BIRB05.

Branch details at a glance

About this branch

The branch is located at SRINIKETAN ROAD SURUL PO SRINIKETAN DIST BIRBHUM PIN 731236. It serves the Sriniketan 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 WBSC0BIRB05 is used to identify this branch on the RBI payments network.

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 VISVA BHARATI of The West Bengal State Cooperative Bank — its own 11-character IFSC. The code WBSC0BIRB05 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 WBSC0BIRB05 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 Visva Bharati branch is mapped to IFSC WBSC0BIRB05 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 WBSC0BIRB05.

Products and services

Customers walking into the Visva Bharati 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 WBSC0BIRB05

How to transfer money using IFSC WBSC0BIRB05

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 WBSC0BIRB05 across all three.

How to use IFSC WBSC0BIRB05 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 VISVA BHARATI 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 WBSC0BIRB05.
4. Confirm the bank name auto-populates as The West Bengal State Cooperative Bank and the branch as VISVA BHARATI.
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 VISVA BHARATI

If you need to transfer ₹2 lakh or more in one go to an account at The West Bengal State Cooperative Bank's VISVA BHARATI branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC WBSC0BIRB05 while initiating the transfer and the credit will appear within minutes.

IMPS to The West Bengal State Cooperative Bank VISVA BHARATI (IFSC WBSC0BIRB05)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC WBSC0BIRB05 in your mobile or internet banking app, and the money is credited to the VISVA BHARATI branch account within seconds.

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

All three modes accept the IFSC WBSC0BIRB05 for The West Bengal State Cooperative Bank – VISVA BHARATI, 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 Visva Bharati 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 VISVA BHARATI branch, the IFSC WBSC0BIRB05 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 Visva Bharati 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 WBSC0BIRB05 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 WBSC0BIRB05 and the account number together uniquely identify the Visva Bharati branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

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 – VISVA BHARATI:

• The IFSC is exactly WBSC0BIRB05 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 VISVA BHARATI 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.

How to reach the Visva Bharati branch

The branch is located at SRINIKETAN ROAD SURUL PO SRINIKETAN DIST BIRBHUM PIN 731236, which puts it inside Sriniketan, the broader Birbhum 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 Visva Bharati branch” — the verified location pin for IFSC WBSC0BIRB05 should appear at the top of the results.
2. Confirm the branch is open by calling 3463-264350 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 WBSC0BIRB05 and your account number.

Verifying IFSC WBSC0BIRB05 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 WBSC0BIRB05 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 3463-264350.
• 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 Visva Bharati branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC WBSC0BIRB05, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code WBSC0BIRB05 belongs to The West Bengal State Cooperative Bank's VISVA BHARATI branch, located at SRINIKETAN ROAD SURUL PO SRINIKETAN DIST BIRBHUM PIN 731236 in SRINIKETAN, 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.