Khardah Co-operative Bank
KHARDAH CO OPERATIVE BANK LTD MAIN BRANCH BRANCH
25536557
Understanding IFSC Code: The Digital DNA of Khardah Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the KHARDAH CO OPERATIVE BANK LTD MAIN BRANCH
branch of Khardah Co-operative Bank, the code WBSC0KUCB01 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 WBSC0KUCB01 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 Khardah Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for KHARDAH CO OPERATIVE BANK LTD MAIN BRANCH
Payment Systems Supported by WBSC0KUCB01
| 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—700093260—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 Khardah Co-operative Bank in KHARDAH typically follows the RBI holiday calendar. Digital transfers via WBSC0KUCB01 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 WBSC0KUCB01 is the valid code for KHARDAH CO OPERATIVE BANK LTD MAIN BRANCH at KHARDAH, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
- • KHARDAH CO OPERATIVE BANK LTD MAIN BRANCH Contact
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Platform Links
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