Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 822762102 belongs to Utkarsh Small Finance Bank, Garhawa branch in Garhwa, Jharkhand. The matching IFSC code is UTKS0001425.
How to read MICR 822762102
822: the city code. It usually follows the first digits of the area's PIN code; here it is Garhwa.
762: the bank code, the same for every branch of Utkarsh Small Finance Bank in cheque clearing.
102: 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 (UTKS0001425 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 822762102 belong to?
Utkarsh Small Finance Bank, Garhawa branch (Garhwa, Jharkhand).
What is the IFSC code for MICR 822762102?
UTKS0001425.
What do the digits of 822762102 mean?
822 is the city code, 762 the bank code and 102 the branch code.
