Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 822761102 belongs to Ujjivan Small Finance Bank, Garhwa branch in Garhwa, Jharkhand. The matching IFSC code is UJVN0003666.
How to read MICR 822761102
822: the city code. It usually follows the first digits of the area's PIN code; here it is Garhwa.
761: the bank code, the same for every branch of Ujjivan Small Finance Bank in cheque clearing.
102: 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 (UJVN0003666 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 822761102 belong to?
Ujjivan Small Finance Bank, Garhwa branch (Garhwa, Jharkhand).
What is the IFSC code for MICR 822761102?
UJVN0003666.
What do the digits of 822761102 mean?
822 is the city code, 761 the bank code and 102 the branch code.
