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

Below are the complete branch details for The Meghalaya Co-operative Apex Bank Ltd, LADTHALABOH branch, located in LADTHALABOH, MEGHALAYA. The IFSC assigned by the Reserve Bank of India to this branch is MCAB0000034. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.

The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case MCAB0000034 for The Meghalaya Co-operative Apex Bank Ltd – LADTHALABOH — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

IFSC stands for Indian Financial System Code. It is an 11-character code that pinpoints a particular bank branch on the RBI's real-time payment rails. Every NEFT, RTGS or IMPS instruction must carry the destination branch's IFSC for the credit to land in the correct account.

In our case, MCAB0000034 is the IFSC of The Meghalaya Co-operative Apex Bank Ltd's LADTHALABOH branch. The format is fixed: MCAB = bank code, 0 = reserved, 000034 = branch identifier.

Branch details at a glance

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 Ladthalaboh branch in Ladthalaboh, Meghalaya is part of this network and uses the IFSC code MCAB0000034 for all electronic settlement.

About the Ladthalaboh branch

The Ladthalaboh branch of The Meghalaya Co-operative Apex Bank Ltd is situated at LADTHALABOH, JOWAI, WEST JAINTIA HILLS DISTRICT. 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 MCAB0000034 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 LADTHALABOH of The Meghalaya Co-operative Apex Bank Ltd — its own 11-character IFSC. The code MCAB0000034 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 MCAB0000034 the same way you would treat your account number — verify it once and save it carefully for future use.

How to transfer money using IFSC MCAB0000034

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 MCAB0000034 across all three.

How to use IFSC MCAB0000034 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 LADTHALABOH 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 MCAB0000034.
4. Confirm the bank name auto-populates as The Meghalaya Co-operative Apex Bank Ltd and the branch as LADTHALABOH.
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 MCAB0000034

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 – LADTHALABOH, ensure your bank's portal accepts IFSC MCAB0000034 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 – LADTHALABOH, use IMPS. With IFSC MCAB0000034 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 Ladthalaboh

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 MCAB0000034:

• 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 LADTHALABOH is still linked to IFSC MCAB0000034.

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.

How UPI relates to the IFSC code

UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at The Meghalaya Co-operative Apex Bank Ltd's LADTHALABOH branch, the IFSC MCAB0000034 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.

That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.

Account types you can open at the Ladthalaboh branch

Once you have an account at The Meghalaya Co-operative Apex Bank Ltd – LADTHALABOH, the IFSC MCAB0000034 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 Ladthalaboh 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 MCAB0000034

MICR & cheque-truncation details

Cheques drawn on the Ladthalaboh branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MCAB0000034 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Digital banking channels

Most day-to-day work that customers used to do at the Ladthalaboh branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC MCAB0000034 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.

Common mistakes to avoid when using IFSC MCAB0000034

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 – LADTHALABOH, 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: MCAB0000034.
• 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.

Reaching the branch

The Ladthalaboh branch sits at LADTHALABOH, JOWAI, WEST JAINTIA HILLS DISTRICT. If you are travelling from outside Ladthalaboh, search for the branch on a maps application using the bank name and locality, or call 0 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC MCAB0000034 and your account number.

Verifying IFSC MCAB0000034 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 MCAB0000034 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 Ladthalaboh branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MCAB0000034, however, work 24x7.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MCAB0000034 belongs to The Meghalaya Co-operative Apex Bank Ltd's LADTHALABOH branch, located at LADTHALABOH, JOWAI, WEST JAINTIA HILLS DISTRICT in LADTHALABOH, MEGHALAYA. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.