Below are the complete branch details for The Meghalaya Co-operative Apex Bank Ltd, MAWRYNGKNENG branch, located in MAWRYNGKNENG, MEGHALAYA. The IFSC assigned by the Reserve Bank of India to this branch is MCAB0000046. 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 MCAB0000046 for The Meghalaya Co-operative Apex Bank Ltd – MAWRYNGKNENG — 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 MAWRYNGKNENG branch, the IFSC MCAB0000046 breaks down as follows: MCAB identifies the bank, 0 is the reserved character, and 000046 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 Mawryngkneng branch — IFSC MCAB0000046 — extends the bank's services to customers in and around Mawryngkneng, Meghalaya.
Branch details at a glance
| Bank Name | The Meghalaya Co-operative Apex Bank Ltd |
|---|---|
| Branch | Mawryngkneng |
| IFSC Code | MCAB0000046 |
| MICR Code | Refer to cheque leaf |
| Branch Address | MAWRYNGKNENG , EAST KHASI HILLS DIST. |
| City | Mawryngkneng |
| District | East Khasi Hills |
| State | Meghalaya |
| STD Code | 0 |
| Phone | 0 |
About the Mawryngkneng branch
The Mawryngkneng branch of The Meghalaya Co-operative Apex Bank Ltd is situated at MAWRYNGKNENG , 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 MCAB0000046 is used.
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 MAWRYNGKNENG branch came to be assigned the code MCAB0000046.
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 MCAB0000046, money simply cannot be routed to the MAWRYNGKNENG branch electronically.
Account types you can open at the Mawryngkneng branch
Once you have an account at The Meghalaya Co-operative Apex Bank Ltd – MAWRYNGKNENG, the IFSC MCAB0000046 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 Mawryngkneng 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 MCAB0000046
How to transfer money using IFSC MCAB0000046
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 MCAB0000046 across all three.
How to use IFSC MCAB0000046 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 MAWRYNGKNENG 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).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC MCAB0000046.
- Confirm the bank name auto-populates as The Meghalaya Co-operative Apex Bank Ltd and the branch as MAWRYNGKNENG.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
Real-Time Gross Settlement to MAWRYNGKNENG
If you need to transfer ₹2 lakh or more in one go to an account at The Meghalaya Co-operative Apex Bank Ltd's MAWRYNGKNENG branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MCAB0000046 while initiating the transfer and the credit will appear within minutes.
IMPS to The Meghalaya Co-operative Apex Bank Ltd MAWRYNGKNENG (IFSC MCAB0000046)
IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MCAB0000046 in your mobile or internet banking app, and the money is credited to the MAWRYNGKNENG branch account within seconds.
Comparing NEFT, RTGS and IMPS for transfers to Mawryngkneng
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 MCAB0000046:
- 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 MAWRYNGKNENG is still linked to IFSC MCAB0000046.
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 MAWRYNGKNENG branch, the IFSC MCAB0000046 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 MCAB0000046
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 MAWRYNGKNENG 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 MCAB0000046 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 MCAB0000046 and the account number together uniquely identify the Mawryngkneng 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 – MAWRYNGKNENG:
- The IFSC is exactly MCAB0000046 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 MAWRYNGKNENG 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.
Reaching the branch
The Mawryngkneng branch sits at MAWRYNGKNENG , EAST KHASI HILLS DIST.. If you are travelling from outside Mawryngkneng, 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 MCAB0000046 and your account number.
Verifying IFSC MCAB0000046 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 MCAB0000046 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 Mawryngkneng 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 MCAB0000046 continue to work without interruption.
Branch address & contact
The Meghalaya Co-operative Apex Bank LtdMawryngkneng Branch
MAWRYNGKNENG , EAST KHASI HILLS DIST.
Mawryngkneng, Meghalaya
Phone: 0
IFSC: MCAB0000046
Frequently asked questions
What is the phone number of The Meghalaya Co-operative Apex Bank Ltd Mawryngkneng branch?
You can reach the branch at 0 during regular banking hours.
Is IFSC MCAB0000046 the same for all accounts at Mawryngkneng branch?
Yes. The IFSC MCAB0000046 is shared by every account held at The Meghalaya Co-operative Apex Bank Ltd's Mawryngkneng branch. Only the account number changes from customer to customer.
Is IFSC MCAB0000046 valid for NEFT and RTGS?
Yes. IFSC MCAB0000046 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
How do I add The Meghalaya Co-operative Apex Bank Ltd Mawryngkneng as a beneficiary?
Log in to your internet or mobile banking app, go to Add Beneficiary, enter the account number and IFSC MCAB0000046, and complete OTP verification. Once activated, you can transfer funds at any time.
How quickly will an NEFT transfer using MCAB0000046 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to The Meghalaya Co-operative Apex Bank Ltd – Mawryngkneng reflect within 30 minutes.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Mawryngkneng branch but serve different purposes.
Summary
The IFSC code MCAB0000046 belongs to The Meghalaya Co-operative Apex Bank Ltd's MAWRYNGKNENG branch, located at MAWRYNGKNENG , EAST KHASI HILLS DIST. in MAWRYNGKNENG, 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.
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