Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 396801520 belongs to Gujarat State Co-operative Bank, Valsad District Central Co Op Bank Ltd Kharel branch in Navsari, Gujarat. The matching IFSC code is GSCB0VDC035.
How to read MICR 396801520
396: the city code. It usually follows the first digits of the area's PIN code; here it is Navsari.
801: the bank code, the same for every branch of Gujarat State Co-operative Bank in cheque clearing.
520: 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 (GSCB0VDC035 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 396801520 belong to?
Gujarat State Co-operative Bank, Valsad District Central Co Op Bank Ltd Kharel branch (Navsari, Gujarat).
What is the IFSC code for MICR 396801520?
GSCB0VDC035.
What do the digits of 396801520 mean?
396 is the city code, 801 the bank code and 520 the branch code.
