Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 395024020 belongs to Punjab National Bank, Utran branch in Surat, Gujarat. The matching IFSC code is PUNB0895800.
How to read MICR 395024020
395: the city code. It usually follows the first digits of the area's PIN code; here it is Surat.
024: the bank code, the same for every branch of Punjab National Bank in cheque clearing.
020: 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 (PUNB0895800 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 395024020 belong to?
Punjab National Bank, Utran branch (Surat, Gujarat).
What is the IFSC code for MICR 395024020?
PUNB0895800.
What do the digits of 395024020 mean?
395 is the city code, 024 the bank code and 020 the branch code.
