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The MICR Code can be found on the lower strip of the cheque leaf. Usually there is a white strip of space below the place where you sign the cheque. Usually the MICR, the and the cheque number are printed there.

MICR code consist of 9 digits. The first three digit denotes city and are same/identical first three digit of your pin code. For example for New Delhi =110 so first three digit of MICR code of all the bank branches located in New Delhi, irrespective of bank or bank branches, will be 110.

The next three digits denote bank. Each bank has given a three digit code. For example, SBI code is "002" so 4-6th digits of MICR CODE all the the branches of SBI is "002" irrespective of location in India. The Last three digit denotes branch code.

Example of a MICR code: "110002001"

110 (City)

002 (Bank)

001 (Branch)

So if you are located in Delhi & your client has given you a MICR code of the bank located in New Delhi and doesn't begin with "110," you can easily tell him his MICR code is wrong.

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Q: Where is the MICR number in a checkbook?
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