Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 395485036 belongs to Kotak Mahindra Bank, Surat Pal Road branch in Surat City, Gujarat. The matching IFSC code is KKBK0002886.
How to read MICR 395485036
395: the city code. It usually follows the first digits of the area's PIN code; here it is Surat City.
485: the bank code, the same for every branch of Kotak Mahindra Bank in cheque clearing.
036: 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 (KKBK0002886 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 395485036 belong to?
Kotak Mahindra Bank, Surat Pal Road branch (Surat City, Gujarat).
What is the IFSC code for MICR 395485036?
KKBK0002886.
What do the digits of 395485036 mean?
395 is the city code, 485 the bank code and 036 the branch code.
