Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 685865203 belongs to HDFC Bank, The Kattappana Urban Co Op Bank Ltd branch in Idukki, Kerala. The matching IFSC code is HDFC0CKUCB1.
How to read MICR 685865203
685: the city code. It usually follows the first digits of the area's PIN code; here it is Idukki.
865: the bank code, the same for every branch of HDFC Bank in cheque clearing.
203: 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 (HDFC0CKUCB1 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 685865203 belong to?
HDFC Bank, The Kattappana Urban Co Op Bank Ltd branch (Idukki, Kerala).
What is the IFSC code for MICR 685865203?
HDFC0CKUCB1.
What do the digits of 685865203 mean?
685 is the city code, 865 the bank code and 203 the branch code.
