Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 176311014 belongs to Himachal Pradesh State Co-operative Bank, Naini Khad branch in Chamba, Himachal Pradesh. The matching IFSC code is HPSC0000188.
How to read MICR 176311014
176: the city code. It usually follows the first digits of the area's PIN code; here it is Chamba.
311: the bank code, the same for every branch of Himachal Pradesh State Co-operative Bank in cheque clearing.
014: 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 (HPSC0000188 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 176311014 belong to?
Himachal Pradesh State Co-operative Bank, Naini Khad branch (Chamba, Himachal Pradesh).
What is the IFSC code for MICR 176311014?
HPSC0000188.
What do the digits of 176311014 mean?
176 is the city code, 311 the bank code and 014 the branch code.
