Himachal Pradesh State Co-operative Bank Naini Khad
Naini Khad · Chamba, Himachal Pradesh
176311014 is the MICR code for the Naini Khad branch of Himachal Pradesh State Co-operative Bank, located in Chamba, Himachal Pradesh. 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 HPSC0000188.
Bank
Himachal Pradesh State Co-operative Bank
Branch & Address
Naini Khad
Naini Khad PIN
Chamba, Naini Khad, Himachal Pradesh
Contact
+911899257645MICR Code Structure
176
City
311
Bank
014
Branch
City code 176 identifies the RBI clearing centre, bank code 311 identifies Himachal Pradesh State Co-operative Bank, and branch code 014 identifies this specific branch.
Online Payment Methods Supported
Other Himachal Pradesh State Co-operative Bank branches near Chamba
Other banks in Chamba, Himachal Pradesh
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 (HPSC0000188) 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 176311014 is in the middle, and your account number is on the right.