IFSC Code of The Meghalaya Co-operative Apex Bank Ltd, Chandmari Branch, Meghalaya

Use this page as a one-stop reference for everything related to The Meghalaya Co-operative Apex Bank Ltd's CHANDMARI branch in CHANDMARI, MEGHALAYA. The branch's IFSC code MCAB0000036 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code issued by the Reserve Bank of India. It uniquely identifies every bank branch that participates in the RBI's electronic fund-transfer systems – NEFT, RTGS and IMPS. The first four characters represent the bank, the fifth is always a zero (reserved for future use), and the last six characters identify the specific branch.

For The Meghalaya Co-operative Apex Bank Ltd's CHANDMARI branch, the IFSC MCAB0000036 breaks down as follows: MCAB identifies the bank, 0 is the reserved character, and 000036 identifies this particular branch.

About the bank

The Meghalaya Co-operative Apex Bank Ltd serves retail and corporate customers with a full range of deposit, lending, payments and digital banking products. Its Chandmari branch in Chandmari, Meghalaya is part of this network and uses the IFSC code MCAB0000036 for all electronic settlement.

Branch details at a glance

About the Chandmari branch

The Chandmari branch of The Meghalaya Co-operative Apex Bank Ltd is situated at CHANDMARI,TURA, WEST GARO HILLS DIST.. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code MCAB0000036 is used.

Why every The Meghalaya Co-operative Apex Bank Ltd branch has a unique IFSC

Before electronic settlement systems went live in India, money transfers between banks relied heavily on demand drafts, mail transfers and telegraphic transfers. These older instruments routinely took days to clear and were prone to misrouting because there was no single machine-readable identifier for a branch. The Reserve Bank of India solved this by issuing each participating branch — including CHANDMARI of The Meghalaya Co-operative Apex Bank Ltd — its own 11-character IFSC. The code MCAB0000036 is therefore not just an internal reference; it is the digital postcode that lets the RBI's NEFT, RTGS and IMPS rails route funds straight to the right branch ledger without any human intervention.

Today, almost every salary credit, vendor payment, refund and EMI deduction in the country flows through this network, which is exactly why a correct IFSC matters so much. A wrong character can either bounce the transfer or send it to the wrong branch, and reversing such a credit is a manual, time-consuming process. Treat IFSC MCAB0000036 the same way you would treat your account number — verify it once and save it carefully for future use.

Account types you can open at the Chandmari branch

Once you have an account at The Meghalaya Co-operative Apex Bank Ltd – CHANDMARI, the IFSC MCAB0000036 stays the same regardless of the type of account you hold. The branch typically supports the following options:

• Savings account — for individuals, with chequebook, ATM card and net-banking access.
• Current account — for sole proprietors, partnerships and companies that need higher transaction volumes.
• Salary account — opened in bulk for corporate employees, often with zero-balance benefits.
• NRE / NRO accounts — for non-resident Indians who want to repatriate or maintain rupee balances in India.
• Fixed deposit and recurring deposit — term-based investment accounts with quarterly or cumulative interest.
• Senior citizen accounts — concessional minimum balance and a small interest rate premium on FDs.
• Minor and student accounts — operated jointly with a guardian until the customer turns 18.

Eligibility, minimum balance and KYC requirements vary by product. Speak to a relationship officer at the branch for the latest schedule of charges and interest rates.

Banking services available

The Chandmari branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 0.

• Savings, current and salary accounts
• Fixed deposits and recurring deposits
• Personal, vehicle and home loans
• Demat and investment products (where supported)
• Internet banking and mobile banking enrolment
• Debit and credit card issuance
• Locker facilities (subject to availability)
• Foreign exchange services (at authorised branches)
• Bill payments, demand drafts and pay orders
• NEFT / RTGS / IMPS / UPI fund transfers using IFSC MCAB0000036

How to transfer money using IFSC MCAB0000036

Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC MCAB0000036 across all three.

How to use IFSC MCAB0000036 for an NEFT transfer

NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to The Meghalaya Co-operative Apex Bank Ltd's CHANDMARI branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).

1. Log in to your internet banking or mobile banking app.
2. Choose Add Beneficiary and select NEFT / Other Bank.
3. Enter the beneficiary name, account number and the IFSC MCAB0000036.
4. Confirm the bank name auto-populates as The Meghalaya Co-operative Apex Bank Ltd and the branch as CHANDMARI.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MCAB0000036

RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to The Meghalaya Co-operative Apex Bank Ltd – CHANDMARI, ensure your bank's portal accepts IFSC MCAB0000036 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Meghalaya Co-operative Apex Bank Ltd CHANDMARI (IFSC MCAB0000036)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MCAB0000036 in your mobile or internet banking app, and the money is credited to the CHANDMARI branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Chandmari

The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC MCAB0000036:

• NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
• RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
• IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
• UPI — best for small peer-to-peer payments using a VPA; the underlying account at CHANDMARI is still linked to IFSC MCAB0000036.

For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.

UPI payments and IFSC MCAB0000036

UPI (Unified Payments Interface) has become the default way for individuals to send money in India. While most UPI transactions are addressed using a Virtual Payment Address (VPA) like name@bank, the underlying account at The Meghalaya Co-operative Apex Bank Ltd – CHANDMARI is still mapped to IFSC MCAB0000036. When a customer links a savings or current account to a UPI app for the first time, the app silently looks up this IFSC against the account number to verify the account exists. The VPA acts as a friendly alias on top of the same plumbing.

If a UPI transfer to or from this branch fails, the most common reasons are an inactive UPI handle, a daily limit breach or a temporary outage at one of the participating banks — not the IFSC. You can always fall back to NEFT or IMPS using the IFSC MCAB0000036 and the beneficiary's account number to complete the transfer.

Online banking and IFSC MCAB0000036

The Meghalaya Co-operative Apex Bank Ltd customers can register for net banking and the bank's official mobile app once their account at the CHANDMARI branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC MCAB0000036 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.

MICR code & cheque clearing

Apart from IFSC, every cheque book issued by The Meghalaya Co-operative Apex Bank Ltd carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC MCAB0000036 and the account number together uniquely identify the Chandmari branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Things to verify before sending money

Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to The Meghalaya Co-operative Apex Bank Ltd – CHANDMARI:

• The IFSC is exactly MCAB0000036 with no extra spaces.
• The beneficiary's account number matches what they shared, digit for digit.
• The portal auto-fills The Meghalaya Co-operative Apex Bank Ltd as the bank name and CHANDMARI as the branch.
• The amount and the purpose of payment are correct.
• You have a valid OTP-verifying mobile number on hand.

A 30-second review here saves hours of reconciliation later.

How to reach the Chandmari branch

The branch is located at CHANDMARI,TURA, WEST GARO HILLS DIST., which puts it inside Chandmari, the broader West Garo Hills district, and the state of Meghalaya. To plan your visit:

1. Open Google Maps on your phone and search for “The Meghalaya Co-operative Apex Bank Ltd Chandmari branch” — the verified location pin for IFSC MCAB0000036 should appear at the top of the results.
2. Confirm the branch is open by calling 0 before stepping out, especially around public holidays.
3. Carry photo ID and any account-related documents you may need for the transaction you plan to do.

Most banking work — passbook updates, fund transfers, statement downloads — can also be completed online without visiting the branch in person, as long as you know the IFSC MCAB0000036 and your account number.

Verifying IFSC MCAB0000036 from official sources

The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm MCAB0000036 by:

• Looking at the cheque leaf – IFSC is printed near the MICR band.
• Opening the passbook's first page.
• Calling the branch directly on 0.
• Visiting the bank's official branch locator page.

Branch banking hours and holidays

Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The Chandmari branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MCAB0000036, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: MCAB0000036 is the IFSC code of The Meghalaya Co-operative Apex Bank Ltd, CHANDMARI branch, in CHANDMARI, MEGHALAYA. It is required for every electronic transfer to an account held at this branch. We keep this page updated with the latest address and contact details, so you can rely on the information here for your day-to-day banking needs.