MALDAH, WEST BENGAL
IFSC Code
WBSC0MALD18
MICR Code
732802511
Branch
MALDA DISTRICT CENTRAL COOPERATIVE BANK LTD HABIBPUR BRANCH
Bank
West Bengal State Co-operative Bank
District
MALDA
State
WEST BENGAL
Contact
Not available
Address
PO HABIBPUR PIN 732122
NEFT transfers to MALDA DISTRICT CENTRAL COOPERATIVE BANK LTD HABIBPUR BRANCH, one of West Bengal State Co-operative Bank's branches in MALDA, are batch-processed rather than instant. Most transfers clear within 30 minutes to a couple of hours during banking hours, and NEFT now runs 24x7 on all days including weekends.
RTGS (Real Time Gross Settlement) is built for high-value transfers — ₹2 lakh and above — and settles individually rather than in batches, so money reaches MALDA DISTRICT CENTRAL COOPERATIVE BANK LTD HABIBPUR BRANCH almost immediately once processed, rather than waiting for the next settlement window.
IMPS is built for urgency: transfers to MALDA DISTRICT CENTRAL COOPERATIVE BANK LTD HABIBPUR BRANCH clear in seconds rather than minutes or hours, and it works around the clock — useful outside NEFT/RTGS's usual processing windows.
A distinction that matters if you're transferring to MALDA DISTRICT CENTRAL COOPERATIVE BANK LTD HABIBPUR BRANCH: the RBI settlement system runs 24x7 for NEFT and RTGS, but that doesn't mean this specific branch is open around the clock. Online transfers process any time; in-person or cash-based requests still depend on the branch actually being open.
| Method | System Hours | If Visiting MALDA DISTRICT CENTRAL COOPERATIVE BANK LTD HABIBPUR BRANCH In Person |
|---|---|---|
| NEFT | 24x7x365, including weekends and holidays (RBI mandate since 16 Dec 2019) | Online/net-banking NEFT processes any time. An in-branch, cash, or cheque-based NEFT request still depends on that branch's working hours. |
| RTGS | 24x7x365, including weekends and holidays (RBI mandate since 14 Dec 2020) | Minimum transfer amount is ₹2 lakh. Same system-vs-branch-hours distinction as NEFT applies for in-person requests. |
| IMPS | 24x7x365 — always has been, no banking-hours restriction at the system level. | Typically capped per transaction depending on your bank's own limits (often around ₹5 lakh). |
The IFSC code for West Bengal State Co-operative Bank's MALDA DISTRICT CENTRAL COOPERATIVE BANK LTD HABIBPUR BRANCH branch in MALDAH, MALDA, WEST BENGAL is WBSC0MALD18. This 11-character code is required for NEFT, RTGS, and IMPS transfers to any account held at this branch.
The MICR code for this branch is 732802511. MICR codes are used for cheque clearing, while the IFSC code (WBSC0MALD18) is what's needed for electronic transfers like NEFT and RTGS.
This branch is located at: PO HABIBPUR PIN 732122. It falls under MALDA district, WEST BENGAL.
Yes — the same IFSC code (WBSC0MALD18) is used for NEFT, RTGS, and IMPS transfers to this branch. Which one you should pick depends on the amount and urgency, not the code itself: RTGS for ₹2 lakh+ needing near-instant settlement, NEFT for regular batch-processed transfers, and IMPS for smaller amounts that need to land in seconds.
A direct contact number isn't listed for this branch in our records. Your best options are West Bengal State Co-operative Bank's national customer care line or the nearest branch locator on the bank's official website.
IFSC and MICR code data sourced from bank-published branch records. While we take care to keep this current, always confirm the IFSC code with your bank before making a large transfer — see our disclaimer for details.