IFSC Code for Murshidabad District Central Cooperative Bank Ltd Panchanantala — Murshidabad District Central Co-operative Bank

Q: What is IFSC code WBSC0MCCB03 and which branch does it identify?

IFSC code WBSC0MCCB03 is the 11-character alphanumeric code assigned by the Reserve Bank of India to the Murshidabad District Central Cooperative Bank Ltd Panchanantala branch of Murshidabad District Central Co-operative Bank in Murshidabad, 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 (MCCB03) identify this specific branch. No other branch in India shares this exact 11-character combination. Use WBSC0MCCB03 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 WBSC0MCCB03 to link my Murshidabad District Central Co-operative Bank account to UPI?

To link your Murshidabad District Central Co-operative Bank Murshidabad District Central Cooperative Bank Ltd Panchanantala account to UPI, open any UPI app — PhonePe, Google Pay, Paytm, or BHIM — and select "Add bank account". Choose Murshidabad 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 WBSC0MCCB03 in the background — you do not need to enter the code manually. Once linked, your UPI VPA (such as yourname@murshidabaddistrictcentralcooperativebank) 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 WBSC0MCCB03? Is RTGS faster?

NEFT transfers to Murshidabad District Central Cooperative Bank Ltd Panchanantala using IFSC WBSC0MCCB03 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 WBSC0MCCB03, which settles within seconds, 24×7, year-round.

Q: How long is the beneficiary cooling period when I add IFSC WBSC0MCCB03 to net banking?

When you add a new beneficiary using IFSC WBSC0MCCB03 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 Murshidabad District Central Co-operative Bank Murshidabad District Central Cooperative Bank Ltd Panchanantala 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 Murshidabad District Central Co-operative Bank's IFSC code changed due to a bank merger? Is WBSC0MCCB03 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 Murshidabad 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 WBSC0MCCB03 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 WBSC0MCCB03 have to be zero (0) and not the letter O?

The 5th character of every IFSC code — including WBSC0MCCB03 — 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 Murshidabad District Central Cooperative Bank Ltd Panchanantala branch of Murshidabad District Central Co-operative Bank in Murshidabad, West Bengal is WBSC0MCCB03. Use this for NEFT, RTGS, IMPS transfers and UPI account linking.

Updated Jun 2026 Murshidabad District Central Co-operative Bank Murshidabad Verified

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IFSC Code

WBSC0MCCB03

Code Breakdown

WBSC Bank

0 Reserved

MCCB03 Branch

MICR Code View MICR Code

BSR Code BSR Code Lookup

Bank Murshidabad District Central Co-operative Bank

Branch Murshidabad District Central Cooperative Bank Ltd Panchanantala

City Murshidabad

State West Bengal

Address Panchanantala, P.O. Baharampur, 742101 , Murshidabad , 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 WBSC0MCCB03 and which branch does it identify?

How do I use IFSC WBSC0MCCB03 to link my Murshidabad District Central Co-operative Bank account to UPI?

What is the NEFT settlement time using IFSC WBSC0MCCB03? Is RTGS faster?

How long is the beneficiary cooling period when I add IFSC WBSC0MCCB03 to net banking?

Has Murshidabad District Central Co-operative Bank's IFSC code changed due to a bank merger? Is WBSC0MCCB03 still active?

Why does the 5th character of IFSC WBSC0MCCB03 have to be zero (0) and not the letter O?

IFSC Code for Murshidabad District Central Cooperative Bank Ltd Panchanantala — Murshidabad District Central Co-operative Bank

Murshidabad District Central Cooperative Bank Ltd Panchanantala

About IFSC Code WBSC0MCCB03 — Murshidabad District Central Cooperative Bank Ltd Panchanantala, Murshidabad District Central Co-operative Bank

How to Read IFSC Code WBSC0MCCB03

NEFT, RTGS, IMPS, and UPI — When to Use IFSC WBSC0MCCB03

IFSC, MICR, and BSR Codes for Murshidabad District Central Cooperative Bank Ltd Panchanantala, Murshidabad District Central Co-operative Bank

Step-by-Step: How IFSC WBSC0MCCB03 Routes a NEFT Transfer

Common Mistakes to Avoid with IFSC WBSC0MCCB03

Frequently Asked Questions