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

If you are searching for the IFSC code of The Meghalaya Co-operative Apex Bank Ltd, SOHIONG branch in SOHIONG, MEGHALAYA, this page has every detail you need. The verified IFSC code for this branch is MCAB0000041. 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 SOHIONG branch, and detailed step-by-step guides for using the IFSC MCAB0000041 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, MCAB0000041 is the IFSC of The Meghalaya Co-operative Apex Bank Ltd's SOHIONG branch. The format is fixed: MCAB = bank code, 0 = reserved, 000041 = branch identifier.

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 Sohiong branch — IFSC MCAB0000041 — extends the bank's services to customers in and around Sohiong, Meghalaya.

About the Sohiong branch

The Sohiong branch of The Meghalaya Co-operative Apex Bank Ltd is situated at BPO SOHIONG, 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 MCAB0000041 is used.

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 SOHIONG of The Meghalaya Co-operative Apex Bank Ltd — its own 11-character IFSC. The code MCAB0000041 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 MCAB0000041 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 Sohiong branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC MCAB0000041 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 MCAB0000041

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 MCAB0000041 across all three.

How to use IFSC MCAB0000041 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 SOHIONG 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 MCAB0000041.
4. Confirm the bank name auto-populates as The Meghalaya Co-operative Apex Bank Ltd and the branch as SOHIONG.
5. Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.

RTGS transfers via IFSC MCAB0000041

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 – SOHIONG, ensure your bank's portal accepts IFSC MCAB0000041 while registering the beneficiary. RTGS is also available 24x7.

IMPS to The Meghalaya Co-operative Apex Bank Ltd SOHIONG (IFSC MCAB0000041)

IMPS (Immediate Payment Service) offers instant, 24x7 fund transfers up to ₹5 lakh per transaction. Provide the beneficiary's account number along with IFSC MCAB0000041 in your mobile or internet banking app, and the money is credited to the SOHIONG branch account within seconds.

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

All three modes accept the IFSC MCAB0000041 for The Meghalaya Co-operative Apex Bank Ltd – SOHIONG, 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 Sohiong 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 SOHIONG branch, the IFSC MCAB0000041 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.

Account types you can open at the Sohiong branch

Once you have an account at The Meghalaya Co-operative Apex Bank Ltd – SOHIONG, the IFSC MCAB0000041 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.

Products and services

Customers walking into the Sohiong 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 MCAB0000041

Digital banking channels

Most day-to-day work that customers used to do at the Sohiong 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 MCAB0000041 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.

Reaching the branch

The Sohiong branch sits at BPO SOHIONG, EAST KHASI HILLS DIST.. If you are travelling from outside Sohiong, 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 MCAB0000041 and your account number.

Common mistakes to avoid when using IFSC MCAB0000041

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 – SOHIONG, 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: MCAB0000041.
• 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.

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 Sohiong branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC MCAB0000041, however, work 24x7.

Verifying IFSC MCAB0000041 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 MCAB0000041 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.

Branch address & contact

Frequently asked questions

Summary

The IFSC code MCAB0000041 belongs to The Meghalaya Co-operative Apex Bank Ltd's SOHIONG branch, located at BPO SOHIONG, EAST KHASI HILLS DIST. in SOHIONG, 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.