Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 495788003 belongs to Jana Small Finance Bank, Niharika branch in Bilaspur, Chhattisgarh. The matching IFSC code is JSFB0004098.
How to read MICR 495788003
495: the city code. It usually follows the first digits of the area's PIN code; here it is Bilaspur.
788: the bank code, the same for every branch of Jana Small Finance Bank in cheque clearing.
003: 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 (JSFB0004098 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 495788003 belong to?
Jana Small Finance Bank, Niharika branch (Bilaspur, Chhattisgarh).
What is the IFSC code for MICR 495788003?
JSFB0004098.
What do the digits of 495788003 mean?
495 is the city code, 788 the bank code and 003 the branch code.
