Motihari Central Co-operative Bank
Motihari Central Co-operative Bank IMPS BRANCH
+919199396466
Understanding IFSC Code: The Digital DNA of Motihari Central Co-operative Bank
When performing any digital transaction in India, the Indian Financial System Code
(IFSC) acts as a critical identifier. For the Motihari Central Co-operative Bank IMPS
branch of Motihari Central Co-operative Bank, the code IBKL01075MC ensures
that your funds are routed through the Reserve Bank of India's (RBI) structured network without manual
errors. In an era of instant payments, having the correct IFSC is as important as the account number
itself.
Anatomy of the IBKL01075MC Code
An IFSC is an 11-character alphanumeric code. Let's break down the logic behind the code for this specific branch:
Bank Identity
"IBKL" represents Motihari Central Co-operative Bank
Control Character
Always '0' (Reserved for future use)
Branch Locator
Unique code for Motihari Central Co-operative Bank IMPS
Payment Systems Supported by IBKL01075MC
| System | Transfer Limit | Processing Time |
|---|---|---|
| NEFT | No Minimum (Up to ₹50 Lakhs+) | Half-hourly batches (24x7) |
| RTGS | Minimum ₹2 Lakhs | Real-time settlement |
| IMPS | Up to ₹5 Lakhs | Instant (Mobile/P2P) |
Why do you need the MICR Code?
While IFSC is for digital transfers, the Magnetic Ink Character Recognition
(MICR) code——is primarily
used for the processing and clearance of physical cheques. This 9-digit code helps in
identifying the bank and branch during the Cheque Truncation System (CTS) cycle, making clearing
faster and error-free.
Bank Holidays & Availability
The Motihari Central Co-operative Bank in MOTIHARI typically follows the RBI holiday calendar. Digital transfers via IBKL01075MC for NEFT/RTGS are now available 365 days a year, regardless of physical branch timings or Sunday closures.
Security Warning & Verification
Always verify the branch details before making a large payment. While IBKL01075MC is the valid code for Motihari Central Co-operative Bank IMPS at MOTIHARI, ensure the beneficiary name matches perfectly in your mobile banking app.
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Branch Context
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Platform Links
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