Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 193023001 belongs to Punjab & Sind Bank, Baramulla branch in Baramulla, Jammu and Kashmir. The matching IFSC code is PSIB0000485.
How to read MICR 193023001
193: the city code. It usually follows the first digits of the area's PIN code; here it is Baramulla.
023: the bank code, the same for every branch of Punjab & Sind Bank in cheque clearing.
001: 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 (PSIB0000485 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 193023001 belong to?
Punjab & Sind Bank, Baramulla branch (Baramulla, Jammu and Kashmir).
What is the IFSC code for MICR 193023001?
PSIB0000485.
What do the digits of 193023001 mean?
193 is the city code, 023 the bank code and 001 the branch code.
