Shivalik Small Finance Bank Karnal
Karnal · Karnal, Haryana
132721002 is the MICR code for the Karnal branch of Shivalik Small Finance Bank, located in Karnal, Haryana. MICR codes are printed on cheque leaves and used by the RBI's Cheque Truncation System (CTS) for cheque clearing. For online transfers, use the IFSC code SMCB0001045.
Bank
Shivalik Small Finance Bank
Branch & Address
Karnal
Shop no 29-30-31-32 Gf Super Mall Plot no S M -1 Sector 12 Karnal PIN Code 132001
Karnal, Karnal, Haryana
Contact
+919667871941MICR Code Structure
132
City
721
Bank
002
Branch
City code 132 identifies the RBI clearing centre, bank code 721 identifies Shivalik Small Finance Bank, and branch code 002 identifies this specific branch.
Online Payment Methods Supported
Other Shivalik Small Finance Bank branches near Karnal
Other banks in Karnal, Haryana
About MICR Codes
What is a MICR code used for?
MICR (Magnetic Ink Character Recognition) codes are printed on cheque leaves using special magnetic ink. They are read by cheque processing machines and used by the RBI's Cheque Truncation System (CTS) to process and clear cheque payments between banks. Each MICR code uniquely identifies a bank branch for cheque clearing purposes.
MICR vs IFSC — when do I use which?
Use MICR when paying by cheque — it's already printed on your cheque leaf and used automatically during clearing. Use IFSC (SMCB0001045) when making online transfers via NEFT, RTGS, IMPS, or UPI — banks ask for IFSC when you add a beneficiary for online payments.
Where is the MICR code on a cheque?
The MICR code is printed at the bottom of every cheque leaf in a distinctive machine-readable font, using magnetic ink. It appears in the centre of the three numbers at the bottom — the cheque number is on the left, the MICR code 132721002 is in the middle, and your account number is on the right.