Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 400761005 belongs to Ujjivan Small Finance Bank, Santacruz branch in Mumbai, Maharashtra. The matching IFSC code is UJVN0004438.
How to read MICR 400761005
400: the city code. It usually follows the first digits of the area's PIN code; here it is Mumbai.
761: the bank code, the same for every branch of Ujjivan Small Finance Bank in cheque clearing.
005: 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 (UJVN0004438 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 400761005 belong to?
Ujjivan Small Finance Bank, Santacruz branch (Mumbai, Maharashtra).
What is the IFSC code for MICR 400761005?
UJVN0004438.
What do the digits of 400761005 mean?
400 is the city code, 761 the bank code and 005 the branch code.
