Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 144765006 belongs to AU Small Finance Bank, Phagwara branch in Kapurthala, Punjab. The matching IFSC code is AUBL0002856.
How to read MICR 144765006
144: the city code. It usually follows the first digits of the area's PIN code; here it is Kapurthala.
765: the bank code, the same for every branch of AU Small Finance Bank in cheque clearing.
006: 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 (AUBL0002856 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 144765006 belong to?
AU Small Finance Bank, Phagwara branch (Kapurthala, Punjab).
What is the IFSC code for MICR 144765006?
AUBL0002856.
What do the digits of 144765006 mean?
144 is the city code, 765 the bank code and 006 the branch code.
