State Bank of India Spl Comm Civil Lines (SBI)
Spl Comm Civil Lines · Ludhiana, Punjab
141002027 is the MICR code for the Spl Comm Civil Lines branch of State Bank of India, located in Ludhiana, Punjab. 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 SBIN0004045.
Bank
State Bank of India
Branch & Address
Spl Comm Civil Lines
Deol Complex, Civil Lines, Ludhiana, Punjab, PIN 144001
Ludhiana, Scb Civil Lines, Punjab
Codes for this Branch
MICR (cheques)
141002027
IFSC (online transfers)
SBIN0004045
SWIFT / BIC
SBININBB217
MICR Code Structure
141
City
002
Bank
027
Branch
City code 141 identifies the RBI clearing centre, bank code 002 identifies State Bank of India, and branch code 027 identifies this specific branch.
Online Payment Methods Supported
Other State Bank of India (SBI) branches near Ludhiana
Other banks in Ludhiana, Punjab
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 (SBIN0004045) 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 141002027 is in the middle, and your account number is on the right.