MICR code
686054002
City Union Bank, Kottayam
- Bank
- City Union Bank
- Branch
- Kottayam
- IFSC
- CIUB0000154
- Address
- I FLOOR CSI COMML CENTRE
- City
- Kottayam
- District
- Kottayam
- State
- Kerala
- City code
- 686
- Bank code
- 054
- Branch code
- 002
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- 686054002
MICR code · Kottayam
MICR code 686054002
✔ Verified in RBI list
How to read MICR 686054002
- 686: the city code. It usually follows the first digits of the area's PIN code; here it is Kottayam.
- 054: the bank code, the same for every branch of City Union Bank in cheque clearing.
- 002: 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 (CIUB0000154 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 686054002 belong to?
City Union Bank, Kottayam branch (Kottayam, Kerala).
What is the IFSC code for MICR 686054002?
CIUB0000154.
What do the digits of 686054002 mean?
686 is the city code, 054 the bank code and 002 the branch code.