MICR code
142023020
Punjab & Sind Bank, Jhandiana West
- Bank
- Punjab & Sind Bank
- Branch
- Jhandiana West
- IFSC
- PSIB0021185
- Address
- VPO JHANDIANA WEST MOGA PB 142048
- City
- Moga
- District
- Moga
- State
- Punjab
- City code
- 142
- Bank code
- 023
- Branch code
- 020
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- 142023020
MICR code · Moga
MICR code 142023020
✔ Verified in RBI list
How to read MICR 142023020
- 142: the city code. It usually follows the first digits of the area's PIN code; here it is Moga.
- 023: the bank code, the same for every branch of Punjab & Sind Bank in cheque clearing.
- 020: 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 (PSIB0021185 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 142023020 belong to?
Punjab & Sind Bank, Jhandiana West branch (Moga, Punjab).
What is the IFSC code for MICR 142023020?
PSIB0021185.
What do the digits of 142023020 mean?
142 is the city code, 023 the bank code and 020 the branch code.