Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 493024504 belongs to Punjab National Bank, Khamariya branch in City for Upload, Chhattisgarh. The matching IFSC code is PUNB0105900.
How to read MICR 493024504
493: the city code. It usually follows the first digits of the area's PIN code; here it is City for Upload.
024: the bank code, the same for every branch of Punjab National Bank in cheque clearing.
504: 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 (PUNB0105900 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 493024504 belong to?
Punjab National Bank, Khamariya branch (City for Upload, Chhattisgarh).
What is the IFSC code for MICR 493024504?
PUNB0105900.
What do the digits of 493024504 mean?
493 is the city code, 024 the bank code and 504 the branch code.
