Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 431804004 belongs to Bank LUCB, Nagpur branch in Nagpur, Maharashtra. The matching IFSC code is LUCB0000022.
How to read MICR 431804004
431: the city code. It usually follows the first digits of the area's PIN code; here it is Nagpur.
804: the bank code, the same for every branch of Bank LUCB in cheque clearing.
004: 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 (LUCB0000022 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 431804004 belong to?
Bank LUCB, Nagpur branch (Nagpur, Maharashtra).
What is the IFSC code for MICR 431804004?
LUCB0000022.
What do the digits of 431804004 mean?
431 is the city code, 804 the bank code and 004 the branch code.
