Find by MICR Code
Enter a MICR code to get detailed bank branch information across India.
Find By MICR
Understanding MICR Codes: Your Complete Guide
A MICR code (Magnetic Ink Character Recognition code) is a unique 9-digit numerical code printed on cheques to identify specific bank branches in India. Introduced by the Reserve Bank of India (RBI), MICR technology uses magnetic ink and special characters that can be read by machines, enabling faster and more secure cheque processing across the Indian banking system.
Key Features of Our MICR Finder
- ✓Instant verification of MICR codes for all Indian banks
- ✓Complete branch details including address and contact information
- ✓IFSC code information for electronic transfers
- ✓Updated database covering cheque-enabled bank branches
- ✓Support for all major public and private sector banks
When You Need MICR Codes
- •Verifying authenticity of received cheques
- •Cheque book ordering and validation
- •Business payment processing
- •Banking compliance and audit processes
- •Cheque clearing system operations
Step-by-Step Guide: How to Use Our MICR Code Finder
- Enter the MICR Code: Type the 9-digit MICR code in the search box above. Our tool accepts codes with or without spaces and automatically formats them correctly.
- Click Search: Hit the search button to instantly retrieve branch information from our comprehensive database of Indian bank branches.
- View Results: Get detailed information including bank name, branch address, contact details, IFSC code, and other relevant banking information.
- Verify Information: Cross-check the displayed details to ensure you have the correct branch information before processing cheques.
Understanding MICR Code Structure
MICR codes follow a specific 9-digit format that provides systematic identification of bank branches across India. Each segment of the code serves a particular purpose in the cheque processing system.
| Position | Digits | Represents | Example |
|---|---|---|---|
| 1st - 3rd | XXX | City Code | 110 (Delhi) |
| 4th - 6th | XXX | Bank Code | 002 (SBI) |
| 7th - 9th | XXX | Branch Code | 123 |
MICR Code Security and Fraud Prevention
MICR codes play a crucial role in preventing cheque fraud through their unique magnetic ink properties and automated verification systems. The technology makes it extremely difficult for fraudsters to replicate authentic cheques.
Security Tip: Always verify MICR codes on received cheques match the issuing bank's branch details. Magnetic ink cannot be easily reproduced, making authentic MICR codes a reliable security feature for cheque validation.
MICR vs IFSC: Key Differences
MICR Codes
- • 9-digit numeric format
- • Used for cheque processing
- • Printed with magnetic ink
- • Machine-readable technology
- • Essential for cheque clearing
IFSC Codes
- • 11-character alphanumeric format
- • Used for electronic transfers
- • Digital identification system
- • NEFT, RTGS, IMPS transactions
- • Online banking operations
Our MICR code directory maintains the most comprehensive and up-to-date database of Indian bank branches with cheque facilities. We regularly synchronize our data with official RBI sources to ensure accuracy. Whether you're looking for State Bank of India branches, HDFC Bank locations, ICICI Bank details, or information about smaller regional banks, our tool provides reliable results every time.
Bookmark this page for quick access to MICR code verification whenever you need to process cheques, verify banking details, or ensure secure cheque transactions. Our tool works on all devices and provides instant results without any registration or fees.
Common MICR Code Related Issues
Cheque processing delays often occur due to damaged or unclear MICR codes. Always ensure that cheques are handled carefully and MICR code areas remain clean and undamaged. Our MICR verification tool helps you confirm that codes are valid and associated with active bank branches.
Some users confuse MICR codes with IFSC codes or account numbers. Remember that MICR codes are specifically for cheque processing and clearing, while IFSC codes are used for electronic transfers. Always use the correct code type for your specific banking transaction to ensure smooth processing.
Frequently Asked Questions
What happens if the MICR code on my cheque is damaged?
Damaged MICR codes can cause cheque processing delays or rejection. Banks may process such cheques manually, which takes longer. If your cheque book has damaged MICR codes, contact your bank for replacement cheque books to avoid transaction delays.
Can I use the same MICR code for different branches of the same bank?
No, each bank branch has a unique MICR code, even within the same city or bank. This uniqueness ensures that cheques are processed through the correct branch and helps in accurate cheque clearing and settlement processes.
How often do MICR codes change?
MICR codes rarely change once assigned to a branch. They may change only in cases of bank mergers, branch relocations, or closures. Our database is regularly updated to reflect any such changes, ensuring you always have access to current MICR information.
Why do some banks have multiple MICR codes in the same city?
Banks often have multiple branches in the same city, and each branch requires a unique MICR code for proper cheque processing. Additionally, some banks may have specialized processing centers that require separate MICR codes for different types of cheque clearing operations.
Is it safe to share MICR codes publicly?
MICR codes by themselves are not confidential information and are publicly available. However, never share complete banking details including account numbers along with MICR codes through unsecured channels. Always verify MICR codes from official sources when processing important transactions.