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

Use this page as a one-stop reference for everything related to The Meghalaya Co-operative Apex Bank Ltd's BISHNUPUR branch in SHILLONG, MEGHALAYA. The branch's IFSC code MCAB0000035 is the key identifier you need whenever a remitter, employer or biller asks for a bank routing number to send funds to an account held at this branch. We have also included the branch's postal address, telephone number, banking hours, common services, and an extensive FAQ block that should answer almost every question that comes up when you are about to add this branch as a beneficiary in your net-banking app for the first time.

The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.

The IFSC for The Meghalaya Co-operative Apex Bank Ltd – BISHNUPUR is MCAB0000035. The first four letters MCAB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 000035 map to this branch in SHILLONG, MEGHALAYA.

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 Bishnupur branch — IFSC MCAB0000035 — extends the bank's services to customers in and around Shillong, Meghalaya.

Branch details at a glance

About the Bishnupur branch

The Bishnupur branch of The Meghalaya Co-operative Apex Bank Ltd is situated at BISHNUPUR, SHILLONG,EAST KHASIHILLS 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 MCAB0000035 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 BISHNUPUR branch came to be assigned the code MCAB0000035.

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 MCAB0000035, money simply cannot be routed to the BISHNUPUR branch electronically.

Products and account variants supported

Every account opened at the Bishnupur branch is mapped to IFSC MCAB0000035 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 MCAB0000035.

Banking services available

The Bishnupur 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 MCAB0000035

How to transfer money using IFSC MCAB0000035

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 MCAB0000035 across all three.

How to use IFSC MCAB0000035 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 BISHNUPUR 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 MCAB0000035.
4. Confirm the bank name auto-populates as The Meghalaya Co-operative Apex Bank Ltd and the branch as BISHNUPUR.
5. 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 BISHNUPUR

If you need to transfer ₹2 lakh or more in one go to an account at The Meghalaya Co-operative Apex Bank Ltd's BISHNUPUR branch, RTGS is the right channel. Each transaction is settled individually in real time. Use IFSC MCAB0000035 while initiating the transfer and the credit will appear within minutes.

IMPS to The Meghalaya Co-operative Apex Bank Ltd BISHNUPUR (IFSC MCAB0000035)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MCAB0000035 in your mobile or internet banking app, and the money is credited to the BISHNUPUR branch account within seconds.

Comparing NEFT, RTGS and IMPS for transfers to Bishnupur

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 MCAB0000035:

• 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 BISHNUPUR is still linked to IFSC MCAB0000035.

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 BISHNUPUR branch, the IFSC MCAB0000035 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.

Digital banking channels

Most day-to-day work that customers used to do at the Bishnupur 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 MCAB0000035 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.

MICR & cheque-truncation details

Cheques drawn on the Bishnupur branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MCAB0000035 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 – BISHNUPUR:

• The IFSC is exactly MCAB0000035 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 BISHNUPUR 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 Bishnupur branch

The branch is located at BISHNUPUR, SHILLONG,EAST KHASIHILLS DISTRICT, which puts it inside Shillong, 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 Bishnupur branch” — the verified location pin for IFSC MCAB0000035 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 MCAB0000035 and your account number.

Other ways to verify the IFSC code

While this page already lists the verified IFSC MCAB0000035 for The Meghalaya Co-operative Apex Bank Ltd – BISHNUPUR, 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 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 Bishnupur branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MCAB0000035, however, work 24x7.

Branch address & contact

Frequently asked questions

Final notes

To recap: MCAB0000035 is the IFSC code of The Meghalaya Co-operative Apex Bank Ltd, BISHNUPUR branch, in SHILLONG, 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.