What Is IFSC MICR Code & How To Find It

Kisi bhi bank (SBI, HDFC, BOI) me transaction karana ho chahe paise transfer karane hai ya kuch aur hume IFSC, aur MICR code ki jarurat padati hai. IFSC aur MICR code me kya difference hota hai ye bhi hum is post me janenge. Electronic fund transfer karane ke liye hume in codes ki jarurat padati hai.

Bank IFSC MICR Code

IFSC Code Kya Hai?

IFSC – Indian Financial System Code
Ye 11 digit ka alphanumeric code hota hai. IFSC code RBI (Reserve Bank Of India) issue karati hai. Ye code unique hota hai jiska use kisi bhi bank ko easily identify karane ke liye kiya jata hai. Agar aap kisi friend ko paise transfer kar rahe hai to aapko us Bank ka IFSC code bhi dalana hota hai jisse aap ke paise sahi branch me pahuch jate hai.
Bank me bahut sare payment system hoti hai jaise NEFT,RTGS, ye in transaction me IFSC code ki jarurat hoti hai.



IFSC Code Kaise Banata Hai?
e.g. SBIN0011700
SBIN – Bank Name (State Bank of India)
11700 – Brach code
Ye ek SBI ki bank ka IFSC code hai. Jisme first 4 Character bank name darashate hai. Last 6 digit bank ka location, branch darashate hai. Aapko IFSC code bank passbook par mil jata hai.
Agar aapko kisi aur bank ka IFSC code chahiye to aap Online banksifsccode.com par bhi find kar sakate hai.




MICR Code Kya Hota Hai?

MICR – (Magnetic Ink Character Recognition)
Ye ek technology hai jiski help se hum character ko recognise kar sakate hai. Har bank ke check book ke niche corner me MICR Code print kiya gaya hota hai.
MICR code 9 digit ka hota hai. Ye code isliye banaya gaya hai taki bank ke check ko easily identify kiya jaye ki ye check kis bank se aaya hai. Iske liye MICR code ka use hota hai.




Example:
110229211
110 – City Code
229 – Bank Code
211 – Brach Code
Ye jo 9 digit hote hai usme ke first 3 digit city code hota hai. Jaha par wo bank hai us city ka name hai.


Second three digit isliye hote hai bank code ke liye. Is code se hum ye samaj sakate hai ki check book kis bank ka hai. Example: SBI, BOI, HDFC etc.
Last three digit jo hote hai wo Brach code ke liye hote hai. Jiski help se hum ye samaj me aata hai ki Brach kaha ki hai. Kyon ki ek hi bank ki kafi braches ek city me hoti hai. Isliye is code se hume easily pata chal jayega ki kis brach ka check hai.

Aap kisi bhi bank me jakar dekh sakate hai. Aapko bank passbook aur checkbook pe IFSC code aur MICR Code mil jayega. Aur agar aapki passbook ye printed nahi hai to aap online bhi search kar sakate hai.
To ab aap samaj gaye honge ki IFSC, MICR code kya hota hai, iska use kya hai, aur hume ye code kaha milega.
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