{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.indusind.com\/iblogs\/savings-account\/what-is-the-micr-code-in-your-passbook-format-use-whrere-to-find-it\/#BlogPosting","mainEntityOfPage":"https:\/\/www.indusind.com\/iblogs\/savings-account\/what-is-the-micr-code-in-your-passbook-format-use-whrere-to-find-it\/","headline":"What is the MICR Code in Your Passbook? Format, Use & Where to Find It","name":"What is the MICR Code in Your Passbook? Format, Use & Where to Find It","description":"If you\u2019ve ever glanced at your bank passbook or cheque leaf and noticed a series of numbers printed in a unique font at the bottom, you\u2019ve likely come across the MICR code\u2014a small but mighty part of the banking system. While often overlooked, the MICR code plays a key role in keeping cheque transactions smooth,...","datePublished":"2025-07-15","dateModified":"2025-07-15","author":{"@type":"Person","@id":"https:\/\/www.indusind.com\/iblogs\/author\/indusind_bank_pfx_team_indperformics-com\/#Person","name":"CONVONIX Antony","url":"https:\/\/www.indusind.com\/iblogs\/author\/indusind_bank_pfx_team_indperformics-com\/","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/7d15b864167d3868c12ffdda340cc1c9?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7d15b864167d3868c12ffdda340cc1c9?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"IndusInd","logo":{"@type":"ImageObject","@id":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/logo-2.png","url":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/logo-2.png","width":201,"height":86}},"image":{"@type":"ImageObject","@id":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/What-is-MICR-Code-in-Passbook.jpg","url":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/What-is-MICR-Code-in-Passbook.jpg","height":288,"width":764},"url":"https:\/\/www.indusind.com\/iblogs\/savings-account\/what-is-the-micr-code-in-your-passbook-format-use-whrere-to-find-it\/","about":["Savings Account"],"wordCount":1024,"articleBody":"If you\u2019ve ever glanced at your bank passbook or cheque leaf and noticed a series of numbers printed in a unique font at the bottom, you\u2019ve likely come across the MICR code\u2014a small but mighty part of the banking system.While often overlooked, the MICR code plays a key role in keeping cheque transactions smooth, secure, and error-free. But what exactly is it, and why does your passbook feature it so prominently? Let\u2019s break it down in simple terms.What is MICR Code? (And What It Stands For)MICR stands for Magnetic Ink Character Recognition. It\u2019s a 9-digit code used to identify the location of a bank branch participating in the electronic clearing of cheques.Printed using magnetic ink and a specialised font, the MICR code enables quick and automated reading by cheque-sorting machines. This helps banks speed up the clearing process and avoid errors that could occur with manual processing.Each bank branch has a unique MICR code\u2014no two are the same.Format of MICR CodeThe MICR code may seem like a random set of digits at first glance, but it follows a specific structure. Let\u2019s say your MICR code is 400234002. Here\u2019s what it tells us:MICR DigitsWhat do they represent?ExampleFirst 3 digitsRepresent the city code, usually aligned with the PIN code area400 \u2013 City code (Mumbai)Next 3 digitsDenote the bank code234 \u2013 Bank code (specific to your bank)Last 3 digitsIdentify the specific branch002 \u2013 Branch codeThis structure ensures that every participating branch in the banking system has a unique identifier.Also Read: Want to Move Your Savings Account to a New Branch? Here\u2019s What to DoWhere Can You Find the MICR Code?Finding the MICR code is easy\u2014it\u2019s right in front of you if you know where to look.In your passbook: Usually printed on the first page alongside other details like account number and IFSC codeOn a cheque leaf: Found at the bottom, typically next to the cheque number and account detailsNetbanking and mobile apps: Many banks now display MICR codes within the app or account profile sectionBank websites or customer care: You can search for it using your branch name if neededHow Does the MICR Code Work?Behind the scenes, when you deposit a cheque, the MICR code is read by a machine at the clearing house using magnetic ink recognition technology. This machine reads the magnetic ink to identify:The city where the cheque is being clearedThe bank and branch detailsWhether the cheque is valid and correctly routedThis technology reduces manual work, minimises errors, and accelerates the entire cheque-clearing cycle.Also Read: What is Cheque NumberWhy is the MICR Code Important?MICR codes may not be something you use daily, but they\u2019re essential for:Cheque clearing: Ensures the cheque reaches the right branch quickly and securelyElectronic Clearing Service (ECS): Used in auto-debits like EMIs or SIPsPreventing fraud: MICR codes help confirm the authenticity of chequesBank branch identification: Especially useful in rural or less-digitised areasIn short, the MICR code adds a layer of speed, security, and accuracy to traditional banking processes.Final Thoughts: Why You Should Know Your MICR CodeWhile digital banking is now the norm, the MICR code continues to be an important part of the system\u2014especially when it comes to cheque-based transactions and ECS mandates.So, the next time you open your passbook or look at a cheque, take a moment to notice that little 9-digit code. It\u2019s a quiet workhorse, helping your transactions move through the banking network smoothly.Want to find the MICR code for your IndusInd Bank branch? Just check your passbook, log in to your mobile app, or use the branch locator on our website.Share This:"}