Bank MICR Codes


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MICR - Magnetic Ink Character Recognition is a technology to processing cheques. In cheques white area in bottom is called MICR band/line, which have the following details....


1. Cheque Serial No. (6 digits)


2. Sort field or the city/bank/branch code number consisting of nine digits followed by a delimiter. The first three digits represent the city, the next three indicate the bank and the last three digits signify the branch. The nine digit sort code is unique for any bank branch in the country.


3. Account number field consisting of six digits followed by a delimiter is an optional field. In the case of Government Cheques issued by RBI alone, the account number is of seven digits. The Government Account number is 10 digits in length-7 digits occurring in the Account number field and three in the transaction code field.


4. Transaction code field comprising of two digits in all instruments except Government cheques drawn on RBI which have a 3 digit transaction code. Control documents - batch and block tickets have a three digit representation in the transaction code field.


5. The last field represents the amount field and consists of 13 digits bounded on both sides by a delimiter. The amount is encoded in paise without the decimal point

 

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