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  • The Municipal Cooperative Bank IFSC and MICR Code:

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

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    The Municipal Cooperative Bank IFSC Code:

    Transferring funds have become easy today, as one can do it online by using the NEFT and RTGS services provided by the Municipal Cooperative Bank. When people transfer funds through the RTGS or NEFT platforms, they have to provide the IFSC code of the bank of the receiver. IFSC or Indian Financial System Code helps in identifying banks and their branches. IFSC codes are alphanumeric codes, which consists of 11 characters. The first four characters denotes the bank's name and are alphabetic. The last six denotes the branch and are numeric. The fifth character is zero, which has been reserved for use in the future. The IFSC codes for the Municipal Cooperative Bank start with ‘MUBL'.

    How to Search for The Municipal Cooperative Bank IFSC and MICR codes?

    People can find the Municipal Cooperative Bank's IFSC and MICR codes online on the official website of the bank. These codes are also present in the pages of the cheque book provided by the bank. There are many websites, besides the bank's website, which give IFSC and MICR codes of all the banks. BankBazaar provides this information to people for free. One has to just go on the website of BankBazaar and click on ‘Bank IFSC Code', found on the bottom section of the homepage. On the ‘Bank IFSC Code' page, select the names of the bank, state, district and the branch from the drop down menus. On selecting this information, the IFSC and MICR codes will be provided instantly. The IFSC and MICR codes for the Municipal Cooperative Bank can be found in the similar way.

    One can transfer money easily to different banks through RTGS and NEFT services provided by the Municipal Cooperative Bank.

    National Electronic Funds Transfer (NEFT):

    The Municipal Cooperative Bank NEFT service is available from 8 am to 7 pm in 12 hourly batches from Monday to Friday and from 8 am to 1 pm in 6 hourly batches on Saturdays. NEFT transfers are extremely safe and secure. There is no limit on the amount of money that people can transfer and this money will be sent to the beneficiary's account on the same day. In case of holidays the money will be sent on the next working day.

    The bank charges certain fees on the NEFT transfers, which are as follows -

    • If the transfer amount is Rs.10, 000, the bank charges Rs.2.5
    • If the transfer amount is between Rs.10, 001 and Rs.1, 00, 000 (both amounts included), the bank charges Rs.5
    • If the transfer amount is between Rs.1, 00, 001 and 2, 00, 000 (both amounts included), the bank charges Rs.15
    • If the transfer amount is Rs.2, 00, 001 and above, the bank charges Rs.25

    The above charges are not inclusive of the service tax.

    To transfer money using the bank's NEFT service, people have to provide the following information -

    • The name of the Beneficiary's bank and branch
    • IFSC code
    • The name of the Beneficiary
    • Account type and account number
    • Transfer amount

    Real Time Gross Settlement System (RTGS):

    The Municipal Cooperative Bank's RTGS service is available from 8 am to 8 pm, Monday to Friday and from 9 am to 3.30 pm on Saturdays. Money transferred through this service is credited to the receiver's bank account on the same day and in case of holidays, it is credited on the next working day. The minimum amount that people can transfer using this service is Rs.2 Lakhs.

    The bank charges certain fees on RTGS transfers, which are as follows -

    • If the transfer amount is between Rs.2, 00, 000 and Rs.5, 00, 000 (both amounts included), the bank charges Rs.30
    • If the transfer amount is Rs.5, 00, 001 and above, the bank charges Rs.50

    The above charges does not include the service tax.

    To transfer money using the bank's RTGS service, people have to provide the following information -

    • The name of the Beneficiary's bank and branch
    • IFSC code
    • The name of the Beneficiary
    • Account type and account number
    • Transfer amount

    The Municipal Cooperative Bank was founded in 1952 and it started working in the year 1953. The headquarters of the Municipal Cooperative Bank is located in Mumbai and today they have 21 branches, out of which 9 branches have ATM facility. The bank provides deposits, loans, locker facility, fund transfer facility and various other products and services, helping people get the best solutions to their banking needs. They offer their depositors with a SMS alert service and the ATM cards issued by them can be used in POS terminals as debit cards. The bank operates on 6 days a week from Monday to Saturday. On weekdays, they work full time and on Saturdays, they work for only half a day.


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