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

Use this page as a one-stop reference for everything related to The Meghalaya Co-operative Apex Bank Ltd's KRANG branch in KRANG, MEGHALAYA. The branch's IFSC code MCAB0000051 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 KRANG branch, the IFSC MCAB0000051 breaks down as follows: MCAB identifies the bank, 0 is the reserved character, and 000051 identifies this particular branch.

Bank profile

The Meghalaya Co-operative Apex Bank Ltd is among the recognised banks listed on the Reserve Bank of India's payments network. The Krang branch — IFSC MCAB0000051 — extends the bank's services to customers in and around Krang, Meghalaya.

Branch details at a glance

About the Krang branch

The Krang branch of The Meghalaya Co-operative Apex Bank Ltd is situated at BPO SOHIONG, EAST KHASI 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 MCAB0000051 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 KRANG of The Meghalaya Co-operative Apex Bank Ltd — its own 11-character IFSC. The code MCAB0000051 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 MCAB0000051 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 Krang branch

Once you have an account at The Meghalaya Co-operative Apex Bank Ltd – KRANG, the IFSC MCAB0000051 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.

Products and services

Customers walking into the Krang branch can access most of The Meghalaya Co-operative Apex Bank Ltd's standard product suite, including:

• Account opening – savings, current, NRI, salary
• Term deposits and recurring deposits
• Retail and small-business loans
• Insurance and mutual-fund tie-ups
• Locker, safe deposit and ATM card services
• Online and mobile banking activation
• Electronic transfers via IFSC MCAB0000051

How to transfer money using IFSC MCAB0000051

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 MCAB0000051 across all three.

How to use IFSC MCAB0000051 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 KRANG 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 MCAB0000051.
4. Confirm the bank name auto-populates as The Meghalaya Co-operative Apex Bank Ltd and the branch as KRANG.
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 MCAB0000051

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 – KRANG, ensure your bank's portal accepts IFSC MCAB0000051 while registering the beneficiary. RTGS is also available 24x7.

Send money instantly through IMPS

For a real-time, anytime transfer to The Meghalaya Co-operative Apex Bank Ltd – KRANG, use IMPS. With IFSC MCAB0000051 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

Comparing NEFT, RTGS and IMPS for transfers to Krang

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 MCAB0000051:

• 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 KRANG is still linked to IFSC MCAB0000051.

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 MCAB0000051

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 – KRANG is still mapped to IFSC MCAB0000051. 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 MCAB0000051 and the beneficiary's account number to complete the transfer.

Online banking and IFSC MCAB0000051

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 KRANG 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 MCAB0000051 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 MCAB0000051 and the account number together uniquely identify the Krang branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.

Common mistakes to avoid when using IFSC MCAB0000051

An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to The Meghalaya Co-operative Apex Bank Ltd – KRANG, double-check for these issues:

• Confusing 0 with O. The fifth character of every IFSC is the digit 0, not the letter O. Read carefully.
• Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters: MCAB0000051.
• Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
• Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
• Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.

How to reach the Krang branch

The branch is located at BPO SOHIONG, EAST KHASI HILLS DIST., which puts it inside Krang, the broader East Khasi 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 Krang branch” — the verified location pin for IFSC MCAB0000051 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 MCAB0000051 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MCAB0000051 for The Meghalaya Co-operative Apex Bank Ltd – KRANG, you can cross-check the code from any of these sources before initiating a high-value transfer:

• The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
• The first page of your passbook.
• The bank's official website under the branch locator.
• The Reserve Bank of India's IFSC search portal.
• Net banking dashboards usually display the home-branch IFSC under account details.

Working hours

Branch counters at Krang are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to MCAB0000051 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MCAB0000051 is the IFSC code of The Meghalaya Co-operative Apex Bank Ltd, KRANG branch, in KRANG, 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.