MICR code
141002020
State Bank of India, Phullanwal
- Bank
- State Bank of India
- Branch
- Phullanwal
- IFSC
- SBIN0004634
- Address
- DIST LUDHIANA, PUNJAB 141002
- City
- Ludhiana
- District
- Ludhiana
- State
- Punjab
- City code
- 141
- Bank code
- 002
- Branch code
- 020
- Home
- MICR search
- 141002020
MICR code · Ludhiana
MICR code 141002020
✔ Verified in RBI list
How to read MICR 141002020
- 141: the city code. It usually follows the first digits of the area's PIN code; here it is Ludhiana.
- 002: the bank code, the same for every branch of State Bank of India in cheque clearing.
- 020: the branch code within that city and bank.
The MICR is printed in magnetic ink at the bottom of every cheque leaf, between the cheque number and your account ID. Clearing houses read it under the Cheque Truncation System (CTS) to route the cheque to the right branch. It is not needed for NEFT, RTGS, IMPS or UPI, which use the IFSC (SBIN0004634 for this branch).
Before you deposit or write a cheque
- Check that the MICR on the cheque matches the branch printed at the top of the leaf.
- Use a CTS-2010 cheque; older formats are no longer cleared.
- Write in blue or black ink and do not overwrite on the MICR band; changes can make the cheque bounce.
Frequently asked questions
Which bank does MICR 141002020 belong to?
State Bank of India, Phullanwal branch (Ludhiana, Punjab).
What is the IFSC code for MICR 141002020?
SBIN0004634.
What do the digits of 141002020 mean?
141 is the city code, 002 the bank code and 020 the branch code.