Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 231028152 belongs to UCO Bank, Ghorawal branch in Sonbhadra, Uttar Pradesh. The matching IFSC code is UCBA0000652.
How to read MICR 231028152
231: the city code. It usually follows the first digits of the area's PIN code; here it is Sonbhadra.
028: the bank code, the same for every branch of UCO Bank in cheque clearing.
152: 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 (UCBA0000652 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 231028152 belong to?
UCO Bank, Ghorawal branch (Sonbhadra, Uttar Pradesh).
What is the IFSC code for MICR 231028152?
UCBA0000652.
What do the digits of 231028152 mean?
231 is the city code, 028 the bank code and 152 the branch code.
