Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 395289018 belongs to Varachha Co-operative Bank, Kargil Chowk Punagam Branch branch in Surat, Gujarat. The matching IFSC code is VARA0289020.
How to read MICR 395289018
395: the city code. It usually follows the first digits of the area's PIN code; here it is Surat.
289: the bank code, the same for every branch of Varachha Co-operative Bank in cheque clearing.
018: 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 (VARA0289020 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 395289018 belong to?
Varachha Co-operative Bank, Kargil Chowk Punagam Branch branch (Surat, Gujarat).
What is the IFSC code for MICR 395289018?
VARA0289020.
What do the digits of 395289018 mean?
395 is the city code, 289 the bank code and 018 the branch code.
