Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 246184086 belongs to Nainital Bank, Joshimath branch in Chamoli, Uttarakhand. The matching IFSC code is NTBL0JOS086.
How to read MICR 246184086
246: the city code. It usually follows the first digits of the area's PIN code; here it is Chamoli.
184: the bank code, the same for every branch of Nainital Bank in cheque clearing.
086: 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 (NTBL0JOS086 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 246184086 belong to?
Nainital Bank, Joshimath branch (Chamoli, Uttarakhand).
What is the IFSC code for MICR 246184086?
NTBL0JOS086.
What do the digits of 246184086 mean?
246 is the city code, 184 the bank code and 086 the branch code.
