West Bengal State Co-operative Bank
COOCH BEHAR BRANCH BRANCH
+913582222717
Understanding IFSC Code: The Digital DNA of West Bengal State Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the COOCH BEHAR BRANCH
branch of West Bengal State Co-operative Bank, the code WBSC0000038 ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the WBSC0000038 Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"WBSC" represents West Bengal State Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for COOCH BEHAR BRANCH
Payment Systems Supported by WBSC0000038
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code—736093002—is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The West Bengal State Co-operative Bank in COOCHBEHAR typically follows the RBI holiday calendar. Digital transfers via WBSC0000038 for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While WBSC0000038 is the valid code for COOCH BEHAR BRANCH at COOCHBEHAR, ensure the beneficiary name matches perfectly in your mobile banking app.
Bank Search Indexing & Metadata
Related Searches
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Financial Tools
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Branch Context
- • COOCH BEHAR BRANCH Contact
- • Address of West Bengal State Co-operative Bank
- • MICR Code Finder
- • WEST BENGAL Banking Circle
Platform Links
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- • IFSC Finder v2.0
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