Banks MICR Code Format

The MICR code is a 9-digit code used for processing cheques in an automated manner. It is printed in a special ink containing magnetic particles, allowing automated systems to read and process cheques accurately and efficiently. The MICR code contains information about the bank, branch, and account details, making it an essential component for cheque processing and verification.

MICR (Magnetic Ink Character Recognition) code is a unique nine-digit numeric code printed on cheques that helps in identifying the bank and branch during the processing of cheques.

Here are the details of the MICR code format

  1. The first three digits represent the city code where the bank branch is located.
  2. The next three digits represent the bank code, which is unique for each bank.
  3. The last three digits represent the branch code, identifying the specific branch of the bank.

Here is a chart illustrating the MICR code format

| City Code | Bank Code | Branch Code | (3 digits) | (3 digits) | (3 digits) |

For example, let’s consider the MICR code “400065002” for the Abhyudaya Bank’s Abhyudaya Nagar branch.

  1. “400” represents the city code, which corresponds to Mumbai.
  2. “065” represents the bank code, specific to Abhyudaya Bank.
  3. “002” represents the branch code for the Abhyudaya Nagar branch.
    Please note that the actual MICR codes for different branches of Abhyudaya Bank may vary based on the specific branch location. It is important to refer to the official sources or the bank’s website for accurate MICR codes of specific branches.