MICR (Magnetic Ink Character Recognition) is a 9-digit code printed on cheques that identifies the bank, branch and city for automated cheque clearing through ECS.

Where can I find MICR code on a cheque?

The MICR code is printed at the bottom of a cheque in a special magnetic ink font. It is the 9-digit number usually found next to the cheque number.

What is the difference between IFSC and MICR?

IFSC (11 alphanumeric chars) is used for digital transfers like NEFT, RTGS, IMPS. MICR (9 numeric digits) is used for physical cheque clearing and ECS processing. Both uniquely identify a bank branch.

Is MICR code same for all branches of a bank?

No. Each branch has a unique MICR code. The first 3 digits represent the city, next 3 the bank, and last 3 the specific branch.

Cheque Clearing System — RBI 2026

MICR CODE FINDER.

Search the 9-digit Magnetic Ink Character Recognition code for any bank branch in India. Used for cheque clearing and ECS processing.

MICR Lookup Engine

RESULTS FOR "AA MA"

0 branches found

Union Bank of India — CHHINDWARA

CHHINDWARA, MADHYA PRADESH

UBIN0827525

MICR 400762011

Utkarsh Small Finance Bank — MALAD WEST

AA MA, MAHARASHTRA

UTKS0001626

UNDERSTANDING MICR.

Digit Code

City

First 3 Digits

Bank

Middle 3 Digits

Branch

Last 3 Digits

MICR Code Anatomy

City

4 0 0

Bank

0 0 2

Branch

0 1 5

Example: 400002015 = Mumbai (400) + State Bank of India (002) + Fort Branch (015)

FREQUENTLY ASKED

What is MICR Code?

MICR (Magnetic Ink Character Recognition) is a 9-digit numeric code printed on cheques using special magnetic ink. It enables automated cheque processing and clearing through the banking system.

MICR vs IFSC — What's Different?

IFSC (11 alphanumeric) is for digital transfers — NEFT, RTGS, IMPS, UPI. MICR (9 numeric) is for physical cheque clearing and ECS. Both are unique per branch and essential for banking identity.

Where to Find MICR on Cheque?

Look at the bottom of your cheque — you'll see numbers printed in a special font. The 9-digit MICR code is usually the second set of numbers, right after the cheque number and before the account number.

Is MICR Still Required?

Yes! While digital payments are growing, MICR is still essential for cheque-based transactions, ECS mandates, insurance claims, and government subsidy disbursements. RBI mandates MICR for all clearing houses.