MICR Code Finder
Decode the 9-digit MICR code on a cheque (city + bank + branch).
Decode the 9-digit MICR code printed on an Indian cheque — the first 3 digits are the city, the next 3 the bank and the last 3 the branch. Look up the city code (which matches the city's PIN prefix) and common bank codes across two tabs, then read the branch code from your cheque. Search and tap to copy. Runs fully in your browser — no API.
How to use MICR Code Finder
Understand the format
A MICR code is 9 digits: the first 3 are the city, the next 3 the bank and the last 3 the branch.
Find the city code
On the 'City codes' tab, search your city to get its 3-digit MICR city code (it matches the city's PIN prefix).
Find the bank code
On the 'Bank codes' tab, search your bank to get its 3-digit bank code.
Get the branch code
The last 3 digits are unique to your branch — read them from the MICR line at the bottom of your cheque.
Combine them
Put the three parts together (city + bank + branch) to read or verify the full 9-digit MICR code.
Copy the codes
Tap any city or bank code to copy it to your clipboard.
Frequently asked questions
What is a MICR code?
MICR (Magnetic Ink Character Recognition) code is a 9-digit number printed in magnetic ink at the bottom of a cheque. It uniquely identifies the bank branch and lets cheques be sorted and cleared quickly and accurately by machines.
How do I read a 9-digit MICR code?
Split it into three parts of 3 digits each: the first 3 are the city code, the middle 3 are the bank code, and the last 3 are the branch code. For example, in a Mumbai SBI cheque the code starts with 400 (Mumbai) followed by the bank and branch codes.
Where is the MICR code on a cheque?
The MICR code is the 9-digit number printed in a special font at the bottom of the cheque, in the white band along the lower edge, usually to the right of the cheque number.
What is the difference between MICR and IFSC code?
Both identify a bank branch, but they're used differently: the IFSC code (11 characters) is used for electronic transfers like NEFT, RTGS and IMPS, while the MICR code (9 digits) is used to process physical cheques. A branch has both.
Can I find the exact branch MICR code here?
This tool gives you the city and bank portions of the MICR code plus the format to decode it. The final 3-digit branch code is specific to each branch — read it from your own cheque or passbook, or check your bank's website.
Is this MICR code finder free?
Yes — it's completely free with no sign-up. The list runs in your browser from a built-in dataset, so there are no limits, no API keys and nothing is uploaded.
What is the MICR code for a Mumbai or Delhi bank?
The first 3 digits of the MICR are the city code, which matches the city's PIN prefix — so Mumbai codes start with 400 and Delhi codes with 110, followed by the 3-digit bank code and 3-digit branch code. Look up the city and bank here, then read the branch digits from your cheque.
Where can I find my exact MICR code?
The full 9-digit MICR is printed in magnetic ink at the bottom of your cheque leaf, and is also shown on the first page of your passbook and in your net-banking account details. This tool helps you decode what each part means.
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