Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 686177285 belongs to Kerala State Co-operative Bank, Ayarkunnam branch in Kottayam, Kerala. The matching IFSC code is KSBK0001285.
How to read MICR 686177285
686: the city code. It usually follows the first digits of the area's PIN code; here it is Kottayam.
177: the bank code, the same for every branch of Kerala State Co-operative Bank in cheque clearing.
285: 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 (KSBK0001285 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 686177285 belong to?
Kerala State Co-operative Bank, Ayarkunnam branch (Kottayam, Kerala).
What is the IFSC code for MICR 686177285?
KSBK0001285.
What do the digits of 686177285 mean?
686 is the city code, 177 the bank code and 285 the branch code.
