Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 396089031 belongs to SVC Co-operative Bank, Vapi branch in Valsad, Gujarat. The matching IFSC code is SVCB0000147.
How to read MICR 396089031
396: the city code. It usually follows the first digits of the area's PIN code; here it is Valsad.
089: the bank code, the same for every branch of SVC Co-operative Bank in cheque clearing.
031: 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 (SVCB0000147 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 396089031 belong to?
SVC Co-operative Bank, Vapi branch (Valsad, Gujarat).
What is the IFSC code for MICR 396089031?
SVCB0000147.
What do the digits of 396089031 mean?
396 is the city code, 089 the bank code and 031 the branch code.
