Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 185234102 belongs to Indusind Bank, Poonch Jammu branch in Poonch, Jammu and Kashmir. The matching IFSC code is INDB0001989.
How to read MICR 185234102
185: the city code. It usually follows the first digits of the area's PIN code; here it is Poonch.
234: the bank code, the same for every branch of Indusind Bank in cheque clearing.
102: 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 (INDB0001989 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 185234102 belong to?
Indusind Bank, Poonch Jammu branch (Poonch, Jammu and Kashmir).
What is the IFSC code for MICR 185234102?
INDB0001989.
What do the digits of 185234102 mean?
185 is the city code, 234 the bank code and 102 the branch code.
