Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 175024009 belongs to Punjab National Bank, Naggar Dt. Kullu - branch in Naggar Distt Kulu, Himachal Pradesh. The matching IFSC code is PUNB0270500.
How to read MICR 175024009
175: the city code. It usually follows the first digits of the area's PIN code; here it is Naggar Distt Kulu.
024: the bank code, the same for every branch of Punjab National Bank in cheque clearing.
009: 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 (PUNB0270500 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 175024009 belong to?
Punjab National Bank, Naggar Dt. Kullu - branch (Naggar Distt Kulu, Himachal Pradesh).
What is the IFSC code for MICR 175024009?
PUNB0270500.
What do the digits of 175024009 mean?
175 is the city code, 024 the bank code and 009 the branch code.
