VyaparKit

MICR Code Lookup

Find the bank, branch and city for any 9-digit MICR code printed on Indian cheques. Covers 1.8 lakh+ branches from RBI data. Free, no login.

Free · no login neededMade for India · ₹, GST, UPI, WhatsApp

In short

A MICR code is the 9-digit number printed in magnetic ink at the bottom of every cheque leaf that identifies the bank branch for cheque clearing. The MICR Code Lookup tool takes those 9 digits and returns the bank name, branch, address, city, state and the corresponding IFSC from a database of 1.8 lakh plus branches built on RBI data.

How to read a MICR code

First 3 digits: city (e.g. 110 = Delhi). Next 3: bank. Last 3: branch.

About the micr code lookup tool

MICR stands for Magnetic Ink Character Recognition. The 9-digit MICR code sits on the white band at the bottom of a cheque, next to the cheque number and account number, and is read by clearing machines at the bank. It has three parts: the first three digits are the city code (110 for Delhi, 400 for Mumbai, 560 for Bengaluru), the next three identify the bank and the last three the branch. Forms for ECS mandates, mutual fund SIPs and dividend credits still ask for it.

People often confuse MICR with IFSC, copy the cheque number by mistake, or read the magnetic-ink digits wrongly on a photocopy. Bank websites rarely let you search by MICR at all. This tool accepts the 9 digits, finds the branch, and shows the IFSC alongside so you can fill both fields on a mandate or KYC form from one lookup. Use it in reverse, too: if a customer's cheque is unclear, the MICR narrows down the branch before you present it.

How to find branch details from a MICR code

  1. 1

    Read the MICR from the cheque

    Look at the bottom band of the cheque: the 9-digit group after the 6-digit cheque number is the MICR code.

  2. 2

    Enter the 9 digits

    Type the code in the search box, for example 110240001. Only digits are accepted and the field stops at 9 characters.

  3. 3

    Read the branch details

    The result shows the bank, branch, address, city, state and the matching IFSC. The city code is explained under the tool.

  4. 4

    Copy what you need

    Click the IFSC to copy it for electronic transfers, or note the branch details for the ECS or SIP mandate form.

How to read a MICR code

  • 9 digits, printed in magnetic ink on the bottom band of the cheque
  • Digits 1 to 3: city code, matching the first three digits of the local pincode (110 Delhi, 400 Mumbai, 560 Bengaluru, 600 Chennai, 700 Kolkata)
  • Digits 4 to 6: bank code assigned by RBI
  • Digits 7 to 9: branch code within that bank and city
  • The cheque band reads: cheque number (6 digits), MICR code (9 digits), account number (6 digits), transaction code (2 digits)
  • Required on ECS/NACH mandates, mutual fund SIP forms, dividend and refund credit forms
  • Not needed for NEFT, RTGS, IMPS or UPI, which use IFSC or UPI ID instead
  • A branch may share a MICR with nearby branches under a single clearing branch; the IFSC shown is the clearing branch's

Who uses the micr code lookup

CA firms processing client KYC

Fill MICR and IFSC on bank mandate and demat forms from a single cheque copy without calling the client's branch.

Businesses receiving cheques

Identify the drawer's branch and city from the MICR before depositing an outstation cheque, so you know the clearing time to expect.

HR onboarding

Complete the ECS mandate section of an employee's PF or insurance form using the MICR read off their cancelled cheque.

Investors filling SIP forms

Look up the MICR and confirm it matches the branch on the cancelled cheque submitted with the mutual fund application.

MICR Code Lookup: frequently asked questions

Where exactly is the MICR code printed on a cheque?
On the white band at the bottom of the cheque, in the distinctive squared magnetic-ink font. The sequence is a 6-digit cheque number, then the 9-digit MICR code, then a 6-digit short account number and a 2-digit transaction code. The 9-digit group in the middle is what this tool needs.
Is the MICR code the same as the cheque number?
No. The cheque number is the first 6-digit group on the band and changes with every leaf. The MICR code is the 9-digit group after it and is the same on every cheque from that branch. Copying the cheque number into a MICR field is a common mistake on mandate forms.
Why do MICR codes start with the pincode of the city?
RBI aligned the first three digits with the postal pincode prefix so a clearing house can sort cheques by city at a glance. 400 is Mumbai, 110 Delhi, 560 Bengaluru, 600 Chennai and 700 Kolkata. Smaller towns use the prefix of their district's postal region.
Do I still need a MICR code for online transfers?
No. NEFT, RTGS and IMPS use the IFSC, and UPI uses a UPI ID or mobile number. MICR remains relevant for physical cheque clearing and for a few forms, such as ECS and NACH mandates and mutual fund applications, that still ask for it. This tool shows both codes so you can fill whichever a form requires.
What does it mean if a MICR code is not found?
The code may be misread (magnetic-ink digits are easy to confuse on a photocopy), the branch may have merged into another bank with a new code, or the cheque may be a non-MICR instrument that clears slowly. Recheck the digits against the original cheque, or search the branch by name in the IFSC lookup to get the current details.

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