Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 144028095 belongs to UCO Bank, Phagwara Jullundhar branch in Phagwara, Punjab. The matching IFSC code is UCBA0000939.
How to read MICR 144028095
144: the city code. It usually follows the first digits of the area's PIN code; here it is Phagwara.
028: the bank code, the same for every branch of UCO Bank in cheque clearing.
095: 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 (UCBA0000939 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 144028095 belong to?
UCO Bank, Phagwara Jullundhar branch (Phagwara, Punjab).
What is the IFSC code for MICR 144028095?
UCBA0000939.
What do the digits of 144028095 mean?
144 is the city code, 028 the bank code and 095 the branch code.
