Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 492493002 belongs to HDFC Bank, Laxmi Mahila Nagrik Sahakari Bank branch in Raipur, Chhattisgarh. The matching IFSC code is HDFC0CLMNSB.
How to read MICR 492493002
492: the city code. It usually follows the first digits of the area's PIN code; here it is Raipur.
493: the bank code, the same for every branch of HDFC Bank in cheque clearing.
002: 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 (HDFC0CLMNSB 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 492493002 belong to?
HDFC Bank, Laxmi Mahila Nagrik Sahakari Bank branch (Raipur, Chhattisgarh).
What is the IFSC code for MICR 492493002?
HDFC0CLMNSB and YESB0LMNSB2.
What do the digits of 492493002 mean?
492 is the city code, 493 the bank code and 002 the branch code.
