Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 191002004 belongs to State Bank of India, Chadoora branch in Bugaon, Jammu and Kashmir. The matching IFSC code is SBIN0016495.
How to read MICR 191002004
191: the city code. It usually follows the first digits of the area's PIN code; here it is Bugaon.
002: the bank code, the same for every branch of State Bank of India in cheque clearing.
004: 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 (SBIN0016495 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 191002004 belong to?
State Bank of India, Chadoora branch (Bugaon, Jammu and Kashmir).
What is the IFSC code for MICR 191002004?
SBIN0016495.
What do the digits of 191002004 mean?
191 is the city code, 002 the bank code and 004 the branch code.
