Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 395039002 belongs to Hongkong & Shanghai Banking Corporation, Surat Main Branch branch in Gujarat, Gujarat. The matching IFSC code is HSBC0395002.
How to read MICR 395039002
395: the city code. It usually follows the first digits of the area's PIN code; here it is Gujarat.
039: the bank code, the same for every branch of Hongkong & Shanghai Banking Corporation in cheque clearing.
002: 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 (HSBC0395002 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 395039002 belong to?
Hongkong & Shanghai Banking Corporation, Surat Main Branch branch (Gujarat, Gujarat).
What is the IFSC code for MICR 395039002?
HSBC0395002.
What do the digits of 395039002 mean?
395 is the city code, 039 the bank code and 002 the branch code.
