Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 676760103 belongs to Esaf Small Finance Bank, Othukkungal branch in Malappuram, Kerala. The matching IFSC code is ESMF0001549.
How to read MICR 676760103
676: the city code. It usually follows the first digits of the area's PIN code; here it is Malappuram.
760: the bank code, the same for every branch of Esaf 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 (ESMF0001549 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 676760103 belong to?
Esaf Small Finance Bank, Othukkungal branch (Malappuram, Kerala).
What is the IFSC code for MICR 676760103?
ESMF0001549.
What do the digits of 676760103 mean?
676 is the city code, 760 the bank code and 103 the branch code.
