Manjeri Co Operative Urban Bank IFSC Code and MICR Code

Find Manjeri Co Operative Urban Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Manjeri Co Operative Urban Bank IFSC Code, MICR Code and SWIFT Code

MCUB was first registered by the Kozhikode Co-operative Deputy Registrar in 1937. It was renamed Manjeri Service Co-operative Bank in 1964 and finally changed to Manjeri Co-Operative Urban Bank in 1972. The bank has completed almost eighty-five years of service since its establishment.

 The Indian banking system uses unique and distinct codes like the IFSC, MICR, and SWIFT codes to identify bank branches and streamline online payments. While the IFSC and MICR codes are used for domestic online fund transfers, SWIFT codes are used for international transactions. 

In this article, you will know the IFSC and MICR codes of MUC Bank. Read on to know more about the banking codes (their uses), the ways to search for them, and the necessary details required to make payments through NEFT, RTGS, and IMPS. 

Manjeri Co-Operative Urban Bank (MCUB) IFSC Code


Indian Financial System Code or IFSC is a unique 11-digit code allotted by the Reserve Bank of India (RBI) to each bank branch in the country. It helps identify the correct branch when transferring funds online from one account to another. 

The IFSC code has three parts- the first part contains four characters and represents the bank code. The second part contains one character, zero (0). The third part has the remaining six characters are the branch code. 

For example, the Manjeri Co-Operative Urban Bank Head Office Branch IFSC Code is ICIC00MCUBL. It is located at Court Road, Manjeri P.O, Malappuram Dist, Kerala.

  • ICIC is the bank code for ICICI bank, through which Manjeri Co-Operative Urban Bank does its online transfers.
  • 0 is the fifth character.
  • 0MCUBL is the branch code for the head office.

But why do you need the IFSC code of a bank for online money transfers? The banking system uses the code to identify the branch where the beneficiary’s account is located. For an online bank payment to be successful, the account number and the IFSC code should be correct. 

What happens if you enter the wrong IFSC code? If both accounts belong to the same branch, the amount can still be credited to the beneficiary’s account. If the account number and IFSC code are incorrect, the amount may be credited to the wrong account. The transactions may fail if the system cannot match the details with any other account. 

In case of failed transactions, the amount will be deposited back into your account in a few business days. Contact the branch in case of wrong credit. It is important to find out the correct IFSC code of a branch and use it when sending money through NEFT, RTGS, and IMPS.

Manjeri Co-Operative Urban Bank (MCUB) MICR Code

Magnetic Ink Character Recognition or MICR code is printed at the bottom of the cheques using MICR technology. The code is used to verify the legality and authenticity of the cheque when processing them electronically. 

 The MICR code is a 9-digit distinct code used to validate cheque transactions and speed up clearing. This allows money to be deposited faster into the beneficiary’s account. The Manjeri Co-Operative Urban Bank MICR Code is 560485064. It is divided into three parts- 

  • The first three numbers denote the City Code- 560 (Manjeri)
  • The next three numbers denote the Bank Code- 485 (MUC Bank)
  • The last three numbers represent the Branch Code- 064 (head office) 

The Manjeri Co-Operative Urban Bank IFSC Code and MICR are provided by RBI. Both codes are used for domestic transactions. But the similarities end here. The MICR code is used by the banking system and not the account holder. 

Furthermore, all bank branches don’t have a MICR code. Non-MICR branches process cheques manually instead of using ECS (Electronic Clearing System). The transaction takes a longer time in non-MICR branches. The MICR code has no role in NEFT, RTGS, and IMPS transactions. 

How to Find the IFSC Code and MICR Code of the Manjeri Co-Operative Urban Bank?


Now that you know the importance of banking codes, it’s time to learn where and how to find them. Fortunately, you can find the IFSC and MICR codes online and offline. The online methods are easier if you want to find the codes for any bank branch in the country. 

The offline methods are suitable for finding the codes of your bank. Let’s read about each method in detail to find the Manjeri Co-Operative Urban Bank IFSC Code. 

Online Search Tools 

Searching online is simple, easy, and fast. You can access free websites like Find Your Bank to know the IFSC, MICR, and SWIFT codes of any bank branch in India. Follow the below steps: 

Open the website through the URL

There is a form on the home page. Fill it out using the drop-down options to find the necessary information. The page will refresh automatically after each selection. 

  • First, start by selecting the Bank Name. 
  • Then, select the state where the Bank is located.
  • Now, choose the District Name. 
  • Finally, select the Branch Name to get the IFSC code. 

The web page will contain the available information about the branch. The name, address, contact ID, phone number, IFSC code, MICR code, and SWIFT code (if applicable) will be presented in a neat box. You can copy the IFSC code with a single click. 

Find Your Bank is also available as a Mobile Application. You can download it from Google Play Store and use it on your smartphone at any time you want. The app is free, secure, and reliable. 

MCUB Passbook

Every account holder is eligible for a passbook after opening an account in the bank. The passbook is used to record the transactions that take place in the account. The first page of the passbook has information about the branch and the account holder, such as, 

  • Name and Address of the bank branch 
  • IFSC, MICR, and SWIFT codes (whichever are applicable) 
  • Name and Address of the account holder 
  • Account Number and Type 
  • Customer ID

MCUB Cheque Book

The account holders have to submit an application to get a chequebook. The first page of the chequebook will contain the account number of the person and banking codes like IFSC and MICR codes.

Every cheque will also have the IFSC and MICR codes printed on it. The IFSC code is printed at the top, and the MICR code is printed at the bottom beside the cheque number. The cheque number changes for every cheque, but the MICR code doesn’t. 

MCUB Online Platforms

The MCUB Bank’s Official Website should have all the necessary information about the bank and its branches. You can find the branches and their IFSC code on the website. Some users may have to login into their net banking or mobile banking accounts to access the codes.

MCUB Customer Care

As a last resort, you can call the customer care of the bank and ask for the IFSC code of the respective branch. Non-account holders can also ask for the banking codes. You don’t have to share confidential information like debit card numbers, PINs, or passwords. 

How to Transfer Money through NEFT, RTGS, & IMPS?


Online transfers have made it easy to send money to bank accounts within the country. The money will be sent in a day at the most and instantly on several occasions. The Indian banking system uses NEFT, RTGS, and IMPS as the three major online fund transfer systems.

The Manjeri Co-Operative Urban Bank IFSC Code is used to initiate online fund transfers, though you also need to provide other relevant information. Let’s read about the online payment methods in detail. 

NEFT (National Electronic Fund Transfer)

NEFT is the most used wire transfer method in India. It runs on the DNS system (Deferred Net Settlement), where the transactions are cleared in batches once every two hours. Your transaction may take up to two or three hours to be successfully completed. 

There are no minimum or maximum limits on NEFT transactions. You can use NEFT any number of times per day. The payment method works round the clock and throughout the year. However, transaction charges are applicable for every transaction. The charges vary between Rs. 2.50 + tax and Rs. 25 + tax, depending on the amount. 

The following details are essential for an NEFT transaction: 

  • Beneficiary Name (optional)
  • Beneficiary Account number 
  • Beneficiary Bank Name 
  • Beneficiary branch IFSC Code 
  • Amount to be Debited 
  • Your Account Number to debit the amount 

RTGS (Real Time Gross Settlement)

RTGS is a real-time payment method that sends large amounts of money immediately to the beneficiary’s account. This online funds transfer method is used to send money securely and in a quick time. RTGS is irreversible once processed. It is used in emergencies to transfer larger amounts from one account to another. 

RTGS has a minimum limit of Rs. 2 lakhs to keep the network free for large transactions. There is no maximum limit, and the transaction is charged accordingly. RTGS is more expensive than NEFT, and the charges range from Rs. 25 + tax and Rs. 49 + tax. 

You can send money through RTGS by logging into your net banking/ mobile banking account or by visiting the branch. The same goes for NEFT payments. Account-holders who don’t have an online banking facility can use NEFT and RTGS from the branch. You need the same details for RTGS payments too. 

IMPS (Immediate Payment Service)

IMPS is another 24*7 online payment service used to send money from one bank account to another. It uses the MMID (Mobile Money Identifier) to complete the transactions. MMID is allotted by the bank to account holders who apply for it. It is linked to the registered mobile number. 

IMPS has a minimum limit of Re. 1 and a maximum limit of Rs. 2 lakhs. You can make multiple IMPS payments per day. IMPS payments can be made through net/ mobile banking, bank branch, SMS, and ATMs. The transaction charges are decided by individual banks, though they cannot charge more than Rs. 25 + tax. 

You need the following details for an IMPS transaction: 

  • Beneficiary MMID 
  • Beneficiary Name
  • Beneficiary Account Name 
  • Beneficiary Bank Name 
  • Beneficiary branch IFSC Code 
  • Your MMID 
  • Amount to be Debited 

About the Manjeri Co-Operative Urban Bank (MCUB)


Manjeri Co-Operative Urban Bank was registered in 1937 by the Kozhikode Co-operative Deputy Registrar. It was later renamed Manjeri Service Co-operative Bank after an amendment to the by-laws in 1964. The bank’s name was changed again in 1972 and renamed Manjeri Co-Operative Urban Bank. 

MCUB currently has twenty-one branches in Kerala. The head office is located in Manjeri, the business city of Malappuram district in the state. Many eminent lawyers headed the bank and played a vital role in its growth and expansion. MUCB has the credit of introducing the first Evening Branch and the first Ladies Branch in Malappuram. 

Today, MUCB is among the leading urban Co-op Banks in Kerala. It is ISO 9001-2008 certified and has won several awards for excellent performance. The bank began to offer internet and mobile banking services in 2018. NEFT, RTGS, and IMPS services are provided in association with ICICI Bank. 

Frequently Asked Questions

1) What is the Manjeri Co-Operative Urban Bank Contact Number?

Contact the MCUB head office on the following numbers: 

0483-2766882, 0483-2762551, 0483-2768777 (IT Cell), 0483-2766551 (GM), and 0483-2768766 (Chairman). 

2) How to Check Account Balance in Manjeri Co-Operative Urban Bank?

Manjeri Co-Operative Urban Bank has a mobile application for Android phone users. You can download the MUC Bank m-banking app from the official bank website or Google Playstore. Check account balance through the mobile app, internet banking, or by calling the bank’s customer care. 

3) Who is the Chairman of Manjeri Co-Operative Urban Bank?

Adv. N.C.Faizal is the Chairman of MCU Bank, and Haneefa Mecheri is the Vice-Chairman. N.P.Ramaswami Iyyer was the first Chairman of the bank when it was founded in 1937.

4) Does Manjeri Co-Operative Urban Bank Offer Mobile Banking Services?

Yes. Manjeri Co-Operative Urban Bank has a mobile app, MCUBank for m-banking. It can be downloaded on Android smartphones from Google Play Store.