Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 609756103 belongs to Equitas Small Finance Bank, Mamathambi Maraikayar Street Karaikal branch in Karaikal, Puducherry. The matching IFSC code is ESFB0001223.
How to read MICR 609756103
609: the city code. It usually follows the first digits of the area's PIN code; here it is Karaikal.
756: the bank code, the same for every branch of Equitas Small Finance Bank in cheque clearing.
103: 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 (ESFB0001223 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 609756103 belong to?
Equitas Small Finance Bank, Mamathambi Maraikayar Street Karaikal branch (Karaikal, Puducherry).
What is the IFSC code for MICR 609756103?
ESFB0001223.
What do the digits of 609756103 mean?
609 is the city code, 756 the bank code and 103 the branch code.
