Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 192240301 belongs to HDFC Bank, Kulgam branch in Kulgam, Jammu and Kashmir. The matching IFSC code is HDFC0002862.
How to read MICR 192240301
192: the city code. It usually follows the first digits of the area's PIN code; here it is Kulgam.
240: the bank code, the same for every branch of HDFC Bank in cheque clearing.
301: 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 (HDFC0002862 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 192240301 belong to?
HDFC Bank, Kulgam branch (Kulgam, Jammu and Kashmir).
What is the IFSC code for MICR 192240301?
HDFC0002862.
What do the digits of 192240301 mean?
192 is the city code, 240 the bank code and 301 the branch code.
