IFSC Code for Hooghly District Central Cooperative Bank Ltd Rishra — Hooghly District Central Co-operative Bank

Q: What is IFSC code WBSC0HDCB04 and which branch does it identify?

IFSC code WBSC0HDCB04 is the 11-character alphanumeric code assigned by the Reserve Bank of India to the Hooghly District Central Cooperative Bank Ltd Rishra branch of Hooghly District Central Co-operative Bank in Hooghly Hugli, 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 (HDCB04) identify this specific branch. No other branch in India shares this exact 11-character combination. Use WBSC0HDCB04 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 WBSC0HDCB04 to link my Hooghly District Central Co-operative Bank account to UPI?

To link your Hooghly District Central Co-operative Bank Hooghly District Central Cooperative Bank Ltd Rishra account to UPI, open any UPI app — PhonePe, Google Pay, Paytm, or BHIM — and select "Add bank account". Choose Hooghly 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 WBSC0HDCB04 in the background — you do not need to enter the code manually. Once linked, your UPI VPA (such as yourname@hooghlydistrictcentralcooperativebank) 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 WBSC0HDCB04? Is RTGS faster?

NEFT transfers to Hooghly District Central Cooperative Bank Ltd Rishra using IFSC WBSC0HDCB04 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 WBSC0HDCB04, which settles within seconds, 24×7, year-round.

Q: How long is the beneficiary cooling period when I add IFSC WBSC0HDCB04 to net banking?

When you add a new beneficiary using IFSC WBSC0HDCB04 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 Hooghly District Central Co-operative Bank Hooghly District Central Cooperative Bank Ltd Rishra 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 Hooghly District Central Co-operative Bank's IFSC code changed due to a bank merger? Is WBSC0HDCB04 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 Hooghly 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 WBSC0HDCB04 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 WBSC0HDCB04 have to be zero (0) and not the letter O?

The 5th character of every IFSC code — including WBSC0HDCB04 — 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 Hooghly District Central Cooperative Bank Ltd Rishra branch of Hooghly District Central Co-operative Bank in Hooghly Hugli, West Bengal is WBSC0HDCB04. Use this for NEFT, RTGS, IMPS transfers and UPI account linking.

Updated Jun 2026 Hooghly District Central Co-operative Bank Hooghly Hugli Verified

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IFSC Code

WBSC0HDCB04

Code Breakdown

WBSC Bank

0 Reserved

HDCB04 Branch

MICR Code View MICR Code

BSR Code BSR Code Lookup

Bank Hooghly District Central Co-operative Bank

Branch Hooghly District Central Cooperative Bank Ltd Rishra

City Hooghly Hugli

State West Bengal

Address Panchasar Appartment More Pukur Road,Rishra,Pin 712248 , Hooghly Hugli , 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 WBSC0HDCB04 and which branch does it identify?

How do I use IFSC WBSC0HDCB04 to link my Hooghly District Central Co-operative Bank account to UPI?

What is the NEFT settlement time using IFSC WBSC0HDCB04? Is RTGS faster?

How long is the beneficiary cooling period when I add IFSC WBSC0HDCB04 to net banking?

Has Hooghly District Central Co-operative Bank's IFSC code changed due to a bank merger? Is WBSC0HDCB04 still active?

Why does the 5th character of IFSC WBSC0HDCB04 have to be zero (0) and not the letter O?

IFSC Code for Hooghly District Central Cooperative Bank Ltd Rishra — Hooghly District Central Co-operative Bank

Hooghly District Central Cooperative Bank Ltd Rishra

About IFSC Code WBSC0HDCB04 — Hooghly District Central Cooperative Bank Ltd Rishra, Hooghly District Central Co-operative Bank

How to Read IFSC Code WBSC0HDCB04

NEFT, RTGS, IMPS, and UPI — When to Use IFSC WBSC0HDCB04

IFSC, MICR, and BSR Codes for Hooghly District Central Cooperative Bank Ltd Rishra, Hooghly District Central Co-operative Bank

Step-by-Step: How IFSC WBSC0HDCB04 Routes a NEFT Transfer

Common Mistakes to Avoid with IFSC WBSC0HDCB04

Frequently Asked Questions