so that the handbook may be updated on a daily bases.
A leaf refers to a single page or check in one's checkbook. The term leaf is often used for paper than can be torn from a book.
Ah, the standard size of a check leaf is usually about 6 inches by 2.75 inches. It's a perfect size for writing out those beautiful blessings and payments. Just remember, no mistakes, only happy accidents when filling out your checks.
The instrument number is usually written at the bottom leaf of the demand draft. The number is usually a six digit number.
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.
Even I had no idea what these numbers stand for, apart from the leftmost number which is the cheque number. Even googling about it didn't help (you can find some information about MICR though.) So during my last visit to bank, I asked the branch manager about it, and he was kind enough to explain it to me in detail. Normaly we can show four set of numbers in the bottom of cheque leaf.1) Cheque NumberAs I mentioned earlier, the first set of numbers represent the cheque number. It is a six digit number. 2) MICR CodeIt stands for Magnetic Ink Character Recognition. This number helps a bank to recognize the bank and branch that issued the cheque. You might be thinking that this can be done just by looking at the cheque, but banks have to process hundreds of cheques daily. Going through each and every cheque is a cumbersome process. Instead, the cheques are sorted through a cheque reading machine which uses this number to identify the bank and branch a cheque belongs to. This makes the process faster. The MICR number is a nine digit number, which consists of three parts-a) City Code: The first three digits represent the city code and are same as the first three digit of the PIN code of that city.For e.g., a bank in Hyderabad will have first three digits of MICR code as 500 (since PIN code for Hyderabad starts with 500)b) Bank Code: The next three digits represent the bank code. Every bank has a unique code assigned to it. For e.g., ICICI bank's code is 229, for HDFC it is 240 and so on.c) Branch Code: The last three digits represent the branch code.Thus you can easily find which bank and branch a cheque belongs to by looking at its MICR number, and vice versa.You can download the complete list of MICR codes from internet.3) Bank account NumberThe third set of six digit numbers represents your account number (It consists of a few digits of your account number). But if you pick an old cheque book, issued probably before CBS (Core Banking Solution) was introduced, you won't find this set of number present. (Note: I am not completely sure of this. Branch Manager of the bank I visited told me this, and when I checked my ICICI cheque book, it tallied with my account number. If you see the sample cheque from Axis bank shown above, it matches there as well. But when I checked my HDFC account cheque book, I found this number and my account number to be different. If someone belongs to a banking background, or has some information about this, please tell others about it through your comments.)4) Transaction IDThe last two digits tells whether a cheque is a local cheque our payable at par cheque. 29, 30 and 31 represents payable at par cheque, while 09, 10 and 11 represents local cheque. Payable at par cheque is a cheque that can be cashed at any branch of the issuing bank, while local cheque can be cashed only at the issuing branch. So, if you deposit a cheque in your bank, with code 10 written at the bottom of the cheque, it'll take a few days for the money to come in your account. However since most of the branches these days are CBS (Core Banking Solution) enabled, so the cheques are generally payable at par. One More Interesting Thing…Before ending this post I want to point your attention to another interesting thing. These numbers are written in a different font style with a special ink that contains magnetic material so that it can be recognized by Magnetic Character Ink Reader.Noushad KH
yes they help compost the loose leaf paper. the loose leaf paper takes 2 to 3 weeks to compost
Loose leaf tea can be found at teanavigator.com and arborteas.com. Teavana.com, mightyleaf.com and the englishteastore.com also specialize in loose leaf teas.
One of the best places for you to purchase loose leaf tea online is at http://www.espemporium.com/. They have a wide variety of loose leaf teas for reasonable prices.
Most good stationers sell loose leaf paper in range of colours
Loose-leaf Jasmine tea is Jasmine Tea leaves that are not put into tea bags or tea sachets. This means that you can pick up a singular leaf if you wanted to. I recommend you to buy Loose Leaf Jasmine Tea from here - UsTwoTea
Binders are usually used to keep loose-leaf pages together.
yes
Laurel Leaf
There are still many places to buy loose leaf tea. Online, you can find many varieties of loose leaf teas at theteaspot.com, teavana.com and themightyleaf.com. most bigger chain stores carry Lipton's brand loose leaf teas and many organic stores carry other brands as well.
You can organize loose leaf textbooks by using binder clips or placing them in a binder to keep them together and prevent pages from getting lost.
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