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

Below are the complete branch details for The Meghalaya Co-operative Apex Bank Ltd, MAWNGAP branch, located in MAWNGAP, MEGHALAYA. The IFSC assigned by the Reserve Bank of India to this branch is MCAB0000050. 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 MCAB0000050 for The Meghalaya Co-operative Apex Bank Ltd – MAWNGAP — saves you from rejected transfers, returned credits and the back-and-forth that follows them.

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 MAWNGAP branch, the IFSC MCAB0000050 breaks down as follows: MCAB identifies the bank, 0 is the reserved character, and 000050 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 Mawngap branch in Mawngap, Meghalaya is part of this network and uses the IFSC code MCAB0000050 for all electronic settlement.

Branch details at a glance

Mawngap branch overview

Located at MAWPHLANG BLOCK, EAST KHASI HILLS DIST., the Mawngap branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MCAB0000050 is required for all interbank electronic transfers routed through this branch.

The role of IFSC in India's payments network

India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how The Meghalaya Co-operative Apex Bank Ltd's MAWNGAP branch came to be assigned the code MCAB0000050.

Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC MCAB0000050, money simply cannot be routed to the MAWNGAP branch electronically.

Account types you can open at the Mawngap branch

Once you have an account at The Meghalaya Co-operative Apex Bank Ltd – MAWNGAP, the IFSC MCAB0000050 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 Mawngap 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 MCAB0000050

How to transfer money using IFSC MCAB0000050

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 MCAB0000050 across all three.

NEFT to The Meghalaya Co-operative Apex Bank Ltd, MAWNGAP using IFSC MCAB0000050

National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.

To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC MCAB0000050, and confirm that the system picks up The Meghalaya Co-operative Apex Bank Ltd – MAWNGAP. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to MAWNGAP

If you need to transfer ₹2 lakh or more in one go to an account at The Meghalaya Co-operative Apex Bank Ltd's MAWNGAP branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MCAB0000050 while initiating the transfer and the credit will appear within minutes.

IMPS to The Meghalaya Co-operative Apex Bank Ltd MAWNGAP (IFSC MCAB0000050)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MCAB0000050 in your mobile or internet banking app, and the money is credited to the MAWNGAP branch account within seconds.

NEFT vs RTGS vs IMPS — which one should you use?

All three modes accept the IFSC MCAB0000050 for The Meghalaya Co-operative Apex Bank Ltd – MAWNGAP, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.

For most retail customers crediting the Mawngap branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.

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 MAWNGAP branch, the IFSC MCAB0000050 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.

Online banking and IFSC MCAB0000050

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 MAWNGAP 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 MCAB0000050 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 & cheque-truncation details

Cheques drawn on the Mawngap branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MCAB0000050 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

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 – MAWNGAP:

• The IFSC is exactly MCAB0000050 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 MAWNGAP 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 Mawngap branch

The branch is located at MAWPHLANG BLOCK, EAST KHASI HILLS DIST., which puts it inside Mawngap, 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 Mawngap branch” — the verified location pin for IFSC MCAB0000050 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 MCAB0000050 and your account number.

Verifying IFSC MCAB0000050 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 MCAB0000050 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.

Working hours

Branch counters at Mawngap 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 MCAB0000050 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MCAB0000050 is the IFSC code of The Meghalaya Co-operative Apex Bank Ltd, MAWNGAP branch, in MAWNGAP, 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.