MICR Code Finder

Search 9-digit Magnetic Ink Character Recognition (MICR) codes for cheque clearing across Indian bank branches.

Interactive MICR Code Finder
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Formula & Calculation Methodology

MICR 9-digit format: First 3 digits (City/PIN code) + Middle 3 digits (Bank Code) + Last 3 digits (Branch Code). Example: 400002014.

Step-by-Step Worked Example

Bank: HDFC Bank | City: New Delhi | Branch: Connaught Place

  1. 1. City Code (First 3 digits): 110 (Delhi postal code start)
  2. 2. Bank Code (Middle 3 digits): 240 (HDFC Bank code)
  3. 3. Branch Code (Last 3 digits): 001 (Connaught Place main branch)
  4. 4. Result: 110240001
Result: MICR: 110240001 | City: New Delhi | Bank: HDFC Bank | Status: CTS-2010 Cheque Clearing Enabled

What is a MICR Code?

A Magnetic Ink Character Recognition (MICR) code is a 9-digit numeric code printed at the bottom of cheque leaves using specialized magnetic ink. It is used by the Reserve Bank of India and clearing houses to speed up Cheque Truncation System (CTS) clearing without manual processing errors.

Breakdown of 9-Digit MICR Code Structure

  • Digits 1 to 3: Represent the City Code matching the first 3 digits of the city postal PIN code (e.g., 400 for Mumbai, 110 for Delhi, 700 for Kolkata).
  • Digits 4 to 6: Represent the unique 3-digit Bank Code assigned by the RBI.
  • Digits 7 to 9: Represent the specific branch code location.

Frequently Asked Questions

What is a MICR Code?

MICR is a 9-digit code printed on cheque leaves used for automated cheque clearing.

Where is the MICR code located on a cheque?

The 9-digit MICR code is printed at the bottom center of your cheque leaf, immediately following the 6-digit cheque number.

Is MICR code required for mutual funds and SIPs?

Yes, many Indian mutual fund asset management companies (AMCs) and demat account brokers require the 9-digit MICR code for bank mandate verification.

What is the difference between IFSC and MICR?

IFSC is an 11-character alphanumeric code used for electronic transfers (NEFT/RTGS/IMPS), while MICR is a 9-digit numeric code used specifically for physical cheque clearing.

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