UCO Bank Garhi
Garhi · Udhampur, Jammu and Kashmir
182028002 is the MICR code for the Garhi branch of UCO Bank, located in Udhampur, Jammu and Kashmir. 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 UCBA0003165.
Bank
UCO Bank
Branch & Address
Garhi
Main Road, Adjoining SBI Nh 44 Garhi Teh and Distt Udhampur , Reasi , Jammu and Kashmir PIN 182121
Udhampur, Garhi, Jammu and Kashmir
Contact
+91199166547342MICR Code Structure
182
City
028
Bank
002
Branch
City code 182 identifies the RBI clearing centre, bank code 028 identifies UCO Bank, and branch code 002 identifies this specific branch.
Online Payment Methods Supported
Other UCO Bank branches near Udhampur
Other banks in Udhampur, Jammu and Kashmir
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 (UCBA0003165) 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 182028002 is in the middle, and your account number is on the right.