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

If you are searching for the IFSC code of The Meghalaya Co-operative Apex Bank Ltd, RANIKOR branch in RANIKOR, MEGHALAYA, this page has every detail you need. The verified IFSC code for this branch is MCAB0000053. You can use it for NEFT, RTGS and IMPS fund transfers, online banking add-payee actions, UPI mandates and any other electronic payment request that asks for an Indian Financial System Code. The information on this page is curated specifically for customers, remitters, employers and businesses who need to credit funds to an account maintained at this branch, and it is structured so you can find what you need within a few seconds of landing here.

You will see the complete branch address, the area STD code and phone number, the city and state, the day-to-day banking services that are typically offered at the RANIKOR branch, and detailed step-by-step guides for using the IFSC MCAB0000053 across NEFT, RTGS and IMPS rails. A frequently-asked-questions section at the end answers the most common queries we receive about this particular branch.

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, MCAB0000053 is the IFSC of The Meghalaya Co-operative Apex Bank Ltd's RANIKOR branch. The format is fixed: MCAB = bank code, 0 = reserved, 000053 = branch identifier.

Branch details at a glance

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 Ranikor branch — IFSC MCAB0000053 — extends the bank's services to customers in and around Ranikor, Meghalaya.

About the Ranikor branch

The Ranikor branch of The Meghalaya Co-operative Apex Bank Ltd is situated at RANIKOR, PO RANIKOR, SOUTH WEST KHASI HILLS, MEGHALAYA, PIN CODE-793106. 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 MCAB0000053 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 RANIKOR branch came to be assigned the code MCAB0000053.

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 MCAB0000053, money simply cannot be routed to the RANIKOR branch electronically.

How to transfer money using IFSC MCAB0000053

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 MCAB0000053 across all three.

NEFT to The Meghalaya Co-operative Apex Bank Ltd, RANIKOR using IFSC MCAB0000053

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 MCAB0000053, and confirm that the system picks up The Meghalaya Co-operative Apex Bank Ltd – RANIKOR. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.

Real-Time Gross Settlement to RANIKOR

If you need to transfer ₹2 lakh or more in one go to an account at The Meghalaya Co-operative Apex Bank Ltd's RANIKOR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MCAB0000053 while initiating the transfer and the credit will appear within minutes.

Send money instantly through IMPS

For a real-time, anytime transfer to The Meghalaya Co-operative Apex Bank Ltd – RANIKOR, use IMPS. With IFSC MCAB0000053 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 Ranikor

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 MCAB0000053:

• 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 RANIKOR is still linked to IFSC MCAB0000053.

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 MCAB0000053

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 – RANIKOR is still mapped to IFSC MCAB0000053. 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 MCAB0000053 and the beneficiary's account number to complete the transfer.

Products and account variants supported

Every account opened at the Ranikor branch is mapped to IFSC MCAB0000053 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 MCAB0000053.

Banking services available

The Ranikor branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on 364-2224166.

• 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 MCAB0000053

MICR & cheque-truncation details

Cheques drawn on the Ranikor branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MCAB0000053 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.

Online banking and IFSC MCAB0000053

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 RANIKOR 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 MCAB0000053 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.

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 – RANIKOR:

• The IFSC is exactly MCAB0000053 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 RANIKOR 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 Ranikor branch sits at RANIKOR, PO RANIKOR, SOUTH WEST KHASI HILLS, MEGHALAYA, PIN CODE-793106. If you are travelling from outside Ranikor, search for the branch on a maps application using the bank name and locality, or call 364-2224166 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 MCAB0000053 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MCAB0000053 for The Meghalaya Co-operative Apex Bank Ltd – RANIKOR, 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 Ranikor 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 MCAB0000053 continue to work without interruption.

Branch address & contact

Frequently asked questions

Final notes

To recap: MCAB0000053 is the IFSC code of The Meghalaya Co-operative Apex Bank Ltd, RANIKOR branch, in RANIKOR, 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.