Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 823028004 belongs to UCO Bank, Buniadganj branch in Gaya, Bihar. The matching IFSC code is UCBA0001238.
How to read MICR 823028004
823: the city code. It usually follows the first digits of the area's PIN code; here it is Gaya.
028: the bank code, the same for every branch of UCO Bank in cheque clearing.
004: 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 (UCBA0001238 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 823028004 belong to?
UCO Bank, Buniadganj branch (Gaya, Bihar).
What is the IFSC code for MICR 823028004?
UCBA0001238.
What do the digits of 823028004 mean?
823 is the city code, 028 the bank code and 004 the branch code.
