Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 493002005 belongs to State Bank of India, Jhakharpara branch in Gariyanad, Chhattisgarh. The matching IFSC code is SBIN0061246.
How to read MICR 493002005
493: the city code. It usually follows the first digits of the area's PIN code; here it is Gariyanad.
002: the bank code, the same for every branch of State Bank of India 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 (SBIN0061246 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 493002005 belong to?
State Bank of India, Jhakharpara branch (Gariyanad, Chhattisgarh).
What is the IFSC code for MICR 493002005?
SBIN0061246.
What do the digits of 493002005 mean?
493 is the city code, 002 the bank code and 005 the branch code.
