Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 686049016 belongs to Federal Bank, Kottayam Sankranthi branch in Kottayam, Kerala. The matching IFSC code is FDRL0002229.
How to read MICR 686049016
686: the city code. It usually follows the first digits of the area's PIN code; here it is Kottayam.
049: the bank code, the same for every branch of Federal Bank in cheque clearing.
016: 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 (FDRL0002229 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 686049016 belong to?
Federal Bank, Kottayam Sankranthi branch (Kottayam, Kerala).
What is the IFSC code for MICR 686049016?
FDRL0002229.
What do the digits of 686049016 mean?
686 is the city code, 049 the bank code and 016 the branch code.
