Punjab & Sind Bank Kala Bakra
Kala Bakra · Jalandhar, Punjab
144023978 is the MICR code for the Kala Bakra branch of Punjab & Sind Bank, located in Jalandhar, 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 PSIB0000244.
Bank
Punjab & Sind Bank
Branch & Address
Kala Bakra
Kala Bakra, Distt. Jalandhar, Punjab - 144303
Jalandhar, Kala Bakra, Punjab
Contact
+911822228452MICR Code Structure
144
City
023
Bank
978
Branch
City code 144 identifies the RBI clearing centre, bank code 023 identifies Punjab & Sind Bank, and branch code 978 identifies this specific branch.
Online Payment Methods Supported
Other Punjab & Sind Bank branches near Jalandhar
Other banks in Jalandhar, 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 (PSIB0000244) 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 144023978 is in the middle, and your account number is on the right.