Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 389765028 belongs to AU Small Finance Bank, Santroad branch in Panch Mahals, Gujarat. The matching IFSC code is AUBL0004881.
How to read MICR 389765028
389: the city code. It usually follows the first digits of the area's PIN code; here it is Panch Mahals.
765: the bank code, the same for every branch of AU Small Finance Bank in cheque clearing.
028: 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 (AUBL0004881 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 389765028 belong to?
AU Small Finance Bank, Santroad branch (Panch Mahals, Gujarat).
What is the IFSC code for MICR 389765028?
AUBL0004881.
What do the digits of 389765028 mean?
389 is the city code, 765 the bank code and 028 the branch code.
