IFSC Code for The Howrah District Central Cooperative Bank Ltd Udaynarayanpur — Howrah District Central Co-operative Bank

Q: What is IFSC code WBSC0HCCB04 and which branch does it identify?

IFSC code WBSC0HCCB04 is the 11-character alphanumeric code assigned by the Reserve Bank of India to the The Howrah District Central Cooperative Bank Ltd Udaynarayanpur branch of Howrah District Central Co-operative Bank in Haora, West Bengal. The first four characters (WBSC) identify the bank across the entire RBI NEFT network, the fifth character is always zero (0), and the last six characters (HCCB04) identify this specific branch. No other branch in India shares this exact 11-character combination. Use WBSC0HCCB04 for NEFT, RTGS, IMPS transfers and to link this account to UPI apps like PhonePe, Google Pay, and BHIM.

Q: How do I use IFSC WBSC0HCCB04 to link my Howrah District Central Co-operative Bank account to UPI?

To link your Howrah District Central Co-operative Bank The Howrah District Central Cooperative Bank Ltd Udaynarayanpur account to UPI, open any UPI app — PhonePe, Google Pay, Paytm, or BHIM — and select "Add bank account". Choose Howrah District Central Co-operative Bank from the bank list. The app will auto-detect your registered mobile number and retrieve your account. During verification, the app validates your account against IFSC WBSC0HCCB04 in the background — you do not need to enter the code manually. Once linked, your UPI VPA (such as yourname@howrahdistrictcentralcooperativebank) is used for daily payments. The IFSC is only needed during this initial account registration step, not for individual UPI transactions.

Q: What is the NEFT settlement time using IFSC WBSC0HCCB04? Is RTGS faster?

NEFT transfers to The Howrah District Central Cooperative Bank Ltd Udaynarayanpur using IFSC WBSC0HCCB04 settle in half-hourly batches — available 24 hours a day, 7 days a week including public holidays. A transfer sent at 2:10 PM is batched at 2:30 PM and credited shortly after. There is no minimum or maximum amount for NEFT. RTGS is faster but has a ₹2 lakh minimum. RTGS settles in real time during RBI operating hours (7:00 AM to 6:00 PM on working days). For transfers below ₹2 lakh that need to arrive instantly — including on weekends and bank holidays — use IMPS with IFSC WBSC0HCCB04, which settles within seconds, 24×7, year-round.

Q: How long is the beneficiary cooling period when I add IFSC WBSC0HCCB04 to net banking?

When you add a new beneficiary using IFSC WBSC0HCCB04 in net banking or mobile banking, most banks enforce a cooling period of 30 minutes to 24 hours before the first transfer is permitted. During this window, the bank sends a confirmation OTP or push notification and blocks outgoing transfers to the new beneficiary. This is a fraud-prevention measure. After the cooling period, per-transaction and per-day limits apply based on your bank's policy and your account type. If you need to transfer money urgently to a Howrah District Central Co-operative Bank The Howrah District Central Cooperative Bank Ltd Udaynarayanpur account, add the beneficiary at least one business day in advance. UPI payments bypass beneficiary cooling periods entirely — they can be initiated to a new UPI ID without any wait.

Q: Has Howrah District Central Co-operative Bank's IFSC code changed due to a bank merger? Is WBSC0HCCB04 still active?

Bank mergers in India can deactivate IFSC codes. When the RBI merges two banks, it typically issues new IFSC codes for the surviving entity's branches and deactivates old codes from the absorbed bank — sometimes immediately, sometimes on a scheduled date. If Howrah District Central Co-operative Bank was involved in a merger, branches of the absorbed bank received new IFSC codes under the surviving bank's code prefix. IFSC WBSC0HCCB04 is listed as active in our database as of Jun 2026. However, before initiating a large RTGS or NEFT transfer, we recommend verifying on the RBI's official IFSC lookup to confirm the code remains valid.

Q: Why does the 5th character of IFSC WBSC0HCCB04 have to be zero (0) and not the letter O?

The 5th character of every IFSC code — including WBSC0HCCB04 — is always the digit zero (0), not the letter O. The RBI mandated this design: position 5 is permanently reserved for future use and is always set to the numeral 0. In many printed fonts and small screens, the digit 0 and the letter O look nearly identical, but they are entirely different ASCII characters. If you type the letter O instead of 0, the payment system will reject the transfer immediately with an "invalid IFSC" error — no transfer will be processed and no money will leave your account. If a transfer to this branch fails IFSC validation, check position 5 of the code first: it must be the digit 0.

The IFSC code for The Howrah District Central Cooperative Bank Ltd Udaynarayanpur branch of Howrah District Central Co-operative Bank in Haora, West Bengal is WBSC0HCCB04. Use this for NEFT, RTGS, IMPS transfers and UPI account linking.

Updated Jun 2026 Howrah District Central Co-operative Bank Haora Verified

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IFSC Code

WBSC0HCCB04

Code Breakdown

WBSC Bank

0 Reserved

HCCB04 Branch

MICR Code View MICR Code

BSR Code BSR Code Lookup

Bank Howrah District Central Co-operative Bank

Branch The Howrah District Central Cooperative Bank Ltd Udaynarayanpur

City Haora

State West Bengal

Address Vill P O Udaynarayanpur Dist Howrah Pin 711266 , Haora , West Bengal

Data sourced from RBI NEFT/RTGS master records and NPCI. Last reviewed Jun 2026 by BankZop Editorial Team.

Frequently Asked Questions

What is IFSC code WBSC0HCCB04 and which branch does it identify?

How do I use IFSC WBSC0HCCB04 to link my Howrah District Central Co-operative Bank account to UPI?

What is the NEFT settlement time using IFSC WBSC0HCCB04? Is RTGS faster?

How long is the beneficiary cooling period when I add IFSC WBSC0HCCB04 to net banking?

Has Howrah District Central Co-operative Bank's IFSC code changed due to a bank merger? Is WBSC0HCCB04 still active?

Why does the 5th character of IFSC WBSC0HCCB04 have to be zero (0) and not the letter O?

IFSC Code for The Howrah District Central Cooperative Bank Ltd Udaynarayanpur — Howrah District Central Co-operative Bank

The Howrah District Central Cooperative Bank Ltd Udaynarayanpur

About IFSC Code WBSC0HCCB04 — The Howrah District Central Cooperative Bank Ltd Udaynarayanpur, Howrah District Central Co-operative Bank

How to Read IFSC Code WBSC0HCCB04

NEFT, RTGS, IMPS, and UPI — When to Use IFSC WBSC0HCCB04

IFSC, MICR, and BSR Codes for The Howrah District Central Cooperative Bank Ltd Udaynarayanpur, Howrah District Central Co-operative Bank

Step-by-Step: How IFSC WBSC0HCCB04 Routes a NEFT Transfer

Common Mistakes to Avoid with IFSC WBSC0HCCB04

Frequently Asked Questions