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Mehsana Urban Cooperative Bank IFSC and MICR Code:

State wise list of Mehsana Urban Cooperative Bank IFSC code, MICR code and addresses of all branches in India

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The Mehsana Urban Co-operative Bank Ltd. (MUC Bank) IFSC Code:

Internet has revolutionized the banking world by enabling innumerable services that you can avail right from your living room. One of the most noted features of internet banking is electronic fund transfer. Gone are the days of standing in queues, time-taking payment settlements, be it cash or through cheque. Through electronic banking services, you can send funds to anyone, anywhere in the country, without even having to visit your bank. Amongst many other banks, the Mehsana Urban Co-operative Bank is one to offer electronic payments to their customers.

The Reserve Bank of India introduced two modes of electronic fund transfer namely, National Electronic Fund Transfer (NEFT) and Real Time Gross Settlement (RTGS). NEFT and RTGS channels of money transfer are safe, secure and authentic, apart from being speedy. Both these systems use a special code called the Indian Financial System Code (IFSC), in order to successfully make a transaction. RBI grants IFSC codes to all banks that are enabled with NEFT/RTGS. Fund transfers can be made to another account not just of the Mehsana Urban Co-op Bank, but also any other bank account.

An IFSC code assigned as a unique identity to all banks by the RBI is made of 11 characters. The code is a combination of alphabets and numbers. The identity of the specific branch of any bank account is established by the first 4 characters, which denote the bank’s name and the last 6 characters, which identifies the branch. The 5th character in between is by default zero (0) and is left for future use.

For instance, MSNU0000005 is the IFSC code of CG road branch of the Mehsana Urban Co-operative Bank in Ahmedabad, Gujarat. It can be broken into parts to explain how it is deciphered by the RBI. In this case,

  • ‘MSNU’ – MehSaNa Urban Co-operative Bank
  • 0 – By default ( to be used later)
  • 000005 – Branch code for CG Road in Ahmedabad

How to Find IFSC & MICR Codes of Mehsana Urban Co-operative Bank (MUC Bank)?

For a successful NEFT or RTGS fund transfer, you will need to know the IFSC and MICR code of your bank as well as the recipient’s bank branch code. IFSC and MICR codes of all branches of Mehsana Urban Bank can be found both online as well as offline. The IFSC code is printed on all cheque leaves of the cheque book issued by the bank. The official website of MUC Bank also lists the codes, addresses and phone numbers of all its branches. You can also look for the specific IFSC and MICR codes on BankBazaar.

Follow these easy steps on the website of BankBazaar to get the IFSC/MICR code you are looking for:

  • Click on the tab ‘Bank IFSC Code’ of the bottom left of the page.
  • The page that opens will prompt you to enter the bank name, branch name, state and district. You can either select from the list or drop-down menus on each page.
  • When all fields are entered, the page displays the IFSC and MICR Code of the particular branch you are looking for.
  • The information displayed also has other details such as address and contact number.

Using the IFSC code, banks transfer money using NEFT and RTGS, in a safe and quick fashion. The transaction time can be cut down significantly when money is transferred electronically.

NEFT for MUC Bank:

NEFT is a payment settlement system that enables transfer of funds from one account to another anywhere in the country. The money transfer can be between accounts of individuals, organizations or firms, having an account in any branch of any NEFT-enabled bank within the country.

Mehsana Urban Bank also allows walk-in customers who do not have an account with the bank, to deposit cash and transfer using NEFT at the branches that have the facility to make electronic payments. However, in this case, the non-account holders can only transfer an amount of up to Rs.50, 000 in a single transaction. In such a transaction, customers have to provide all details such as full address and telephone number, in order to facilitate a smooth NEFT transfer even without having a bank account with the Mehsana Urban Bank. However, it is imperative that the beneficiary has an account with the bank branch that is a part of the NEFT network.

Information Required:

The information that you need to be ready with, before a NEFT transaction is:

  • Account number of the sender.
  • Amount to be credited.
  • Name of the recipient bank.
  • Account number of the recipient bank account.
  • Sender to Beneficiary message, if any.
  • IFSC code of the beneficiary bank branch.

NEFT Transaction Timings:

The Mehsana Urban Bank carries out NEFT transaction on weekdays from 9:30 am to 4pm. The bank does not open on the 2nd and the 4th Saturday and on Sundays.

NEFT Transaction Charges:

Transfer Amount

Charge per transaction

Up to Rs.10,000

Nil

Rs.10,000 to Rs.10,00,000

Rs.50(Plus additional tax)

RTGS for MUC Bank:

RTGS is ‘Real Time Gross Settlement’ and is the settlement made using this mode is continuous and processed as soon as the instructions are received and the payments are cleared individually instead of batch-wise. The payments are final and irreversible as they are processed under the guidance of the RBI. RTGS is opted in case of high value transactions and the minimum limit allowed for an RTGS transaction is Rs.2 lakh and there is no upper cap for RTGS transactions. Usually, the funds reach the beneficiary bank in real time as in, as soon as the remitting bank sends the funds. Once the instruction reaches the beneficiary bank branch, the amount is supposed to be credited within two hours. If the credit is unable to reach the destination bank, it is then returned to the sender’s bank within 2 hours.

Information Required:

The information required before requesting for a RTGS transfer is the same as in a NEFT transaction.

RTGS Transaction Timings:

Both NEFT and RTGS work on similar timings.

RTGS Transaction Charges:

Transfer Amount

Charge per transaction

Rs.2 lakh to Rs.5 lakh

Rs.25(Plus additional tax)

Above Rs.5 lakh

Rs.50(Plus additional tax)

MUC Bank was registered under the Co-operative Society Act in the year 1961. With a share capital of Rs.15 lakh and a single branch, it was founded in 1983. In the year 2000, it was granted the ‘Scheduled Bank’ status by Reserve Bank of India. The MUC Bank now has 45 spacious and attractive branches throughout Gujarat.


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