⌖ Utility / Bank & Industry Codes
MICR Codes.
9-digit Magnetic Ink Character Recognition codes printed on Indian cheques.
As of
RBI MICR directory — current
⌖ Context
Magnetic Ink Character Recognition (MICR) is a 9-digit code printed on the MICR band at the bottom of every Indian cheque. The structure is: first 3 digits — city code (PIN-aligned); next 3 — bank code; last 3 — branch code. MICR enables high-speed cheque processing through the Cheque Truncation System (CTS). With CTS-2010 making cheques near-uniform across banks, MICR remains the routing identifier for paper instruments — but it is no longer used for electronic transfers (NEFT/RTGS/IMPS use IFSC).
City code component — major cities (first 3 digits)
| City | Code |
|---|---|
| Mumbai | 400 |
| Delhi | 110 |
| Kolkata | 700 |
| Chennai | 600 |
| Bangalore | 560 |
| Hyderabad | 500 |
| Ahmedabad | 380 |
| Pune | 411 |
| Surat | 395 |
| Jaipur | 302 |
| Lucknow | 226 |
| Kanpur | 208 |
| Nagpur | 440 |
| Indore | 452 |
| Bhopal | 462 |
| Patna | 800 |
| Chandigarh | 160 |
| Coimbatore | 641 |
| Kochi | 682 |
| Vadodara | 390 |
| Visakhapatnam | 530 |
| Thiruvananthapuram | 695 |
| Guwahati | 781 |
| Bhubaneswar | 751 |
City code typically aligns with the first 3 digits of the city's PIN code.
Bank code component — major banks (middle 3 digits)
| Bank | MICR Bank Code |
|---|---|
| State Bank of India | 002 |
| Punjab National Bank | 024 |
| Bank of Baroda | 012 |
| Bank of India | 013 |
| Canara Bank | 015 |
| Union Bank of India | 018 |
| Central Bank of India | 016 |
| HDFC Bank | 240 |
| ICICI Bank | 229 |
| Axis Bank | 211 |
| Kotak Mahindra Bank | 485 |
| IndusInd Bank | 234 |
| Yes Bank | 532 |
| IDBI Bank | 259 |
| Federal Bank | 049 |
| RBL Bank | 267 |
| Standard Chartered | 036 |
| Citibank | 037 |
Branch code (last 3 digits) is unique to each branch — refer to the cheque book or the RBI master to identify a specific branch.
Find any MICR code
The full MICR master is published by RBI alongside the IFSC directory. Your printed cheque book is the simplest source — the 9-digit MICR sits between the cheque number and the account number on the bottom band.
MICR vs IFSC — when does which apply
MICR — used for cheque clearing under CTS. Printed on the cheque band.
IFSC — used for electronic transfers (NEFT, RTGS, IMPS, UPI back-end routing).
Both codes coexist for every bank branch. MICR is still required for cheque deposits but is irrelevant for online transfers.