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

This page lists the IFSC code, branch address, contact number and fund-transfer information for The Meghalaya Co-operative Apex Bank Ltd, NONGSTOIN branch in NONGSTOIN. The 11-digit IFSC MCAB0000009 uniquely identifies this branch in the RBI's centralised payments network and is required for every NEFT, RTGS or IMPS transaction routed to this branch. If you are paying somebody who banks with The Meghalaya Co-operative Apex Bank Ltd at the NONGSTOIN location, this is the only IFSC you need.

We have organised this page into clearly labelled sections so you can jump straight to the part that interests you — the IFSC and MICR details, the full postal address, the contact phone number, a quick primer on NEFT, RTGS and IMPS, the typical product line-up at the branch, and a frequently asked questions section that addresses the queries people raise most often about this branch.

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 NONGSTOIN branch, the IFSC MCAB0000009 breaks down as follows: MCAB identifies the bank, 0 is the reserved character, and 000009 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 Nongstoin branch in Nongstoin, Meghalaya is part of this network and uses the IFSC code MCAB0000009 for all electronic settlement.

Nongstoin branch overview

Located at NONGSTOIN, WEST KHASI HILLS., the Nongstoin branch handles regular banking operations such as account opening, fixed and recurring deposits, locker facilities, loans, and trade finance services where applicable. The IFSC MCAB0000009 is required for all interbank electronic transfers routed through this branch.

Branch details at a glance

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 NONGSTOIN of The Meghalaya Co-operative Apex Bank Ltd — its own 11-character IFSC. The code MCAB0000009 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 MCAB0000009 the same way you would treat your account number — verify it once and save it carefully for future use.

MICR & cheque-truncation details

Cheques drawn on the Nongstoin branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MCAB0000009 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

How to transfer money using IFSC MCAB0000009

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 MCAB0000009 across all three.

NEFT to The Meghalaya Co-operative Apex Bank Ltd, NONGSTOIN using IFSC MCAB0000009

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 MCAB0000009, and confirm that the system picks up The Meghalaya Co-operative Apex Bank Ltd – NONGSTOIN. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

RTGS transfers via IFSC MCAB0000009

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 – NONGSTOIN, ensure your bank's portal accepts IFSC MCAB0000009 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 – NONGSTOIN, use IMPS. With IFSC MCAB0000009 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.

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

All three modes accept the IFSC MCAB0000009 for The Meghalaya Co-operative Apex Bank Ltd – NONGSTOIN, 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 Nongstoin 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 NONGSTOIN branch, the IFSC MCAB0000009 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.

Products and account variants supported

Every account opened at the Nongstoin branch is mapped to IFSC MCAB0000009 on the RBI payments network. The branch generally supports the full retail product catalogue of The Meghalaya Co-operative Apex Bank Ltd, including:

• Resident savings accounts and salary accounts
• Current accounts for businesses and professionals
• Fixed deposits, recurring deposits and tax-saver deposits
• Demand drafts, banker's cheques and pay orders
• Retail loans — personal, vehicle, education, gold and home
• Credit cards and overdraft facilities (subject to eligibility)
• Third-party investment products such as mutual funds and insurance (through tie-ups)

Whichever product you choose, the IFSC for incoming credits remains MCAB0000009.

Products and services

Customers walking into the Nongstoin 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 MCAB0000009

Online banking and IFSC MCAB0000009

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 NONGSTOIN 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 MCAB0000009 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.

How to reach the Nongstoin branch

The branch is located at NONGSTOIN, WEST KHASI HILLS., which puts it inside Nongstoin, the broader West 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 Nongstoin branch” — the verified location pin for IFSC MCAB0000009 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 MCAB0000009 and your account number.

Common mistakes to avoid when using IFSC MCAB0000009

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 – NONGSTOIN, 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: MCAB0000009.
• 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.

Working hours

Branch counters at Nongstoin 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 MCAB0000009 continue to work without interruption.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MCAB0000009 for The Meghalaya Co-operative Apex Bank Ltd – NONGSTOIN, 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MCAB0000009 belongs to The Meghalaya Co-operative Apex Bank Ltd's NONGSTOIN branch, located at NONGSTOIN, WEST KHASI HILLS. in NONGSTOIN, 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.