Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 175311123 belongs to Himachal Pradesh State Co-operative Bank, Pandoh branch in Mandi, Himachal Pradesh. The matching IFSC code is HPSC0000320.
How to read MICR 175311123
175: the city code. It usually follows the first digits of the area's PIN code; here it is Mandi.
311: the bank code, the same for every branch of Himachal Pradesh State Co-operative Bank in cheque clearing.
123: 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 (HPSC0000320 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 175311123 belong to?
Himachal Pradesh State Co-operative Bank, Pandoh branch (Mandi, Himachal Pradesh).
What is the IFSC code for MICR 175311123?
HPSC0000320.
What do the digits of 175311123 mean?
175 is the city code, 311 the bank code and 123 the branch code.
