HDFC Bank Choglamsar
Choglamsar · Ladakh, Jammu and Kashmir
194240003 is the MICR code for the Choglamsar branch of HDFC Bank, located in Ladakh, 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 HDFC0005742.
Bank
HDFC Bank
Branch & Address
Choglamsar
Grd Floor Choglamsar Zampa Main Chowk Choglamsar Ladakh Chuglamsar Jammu and Kashmir 194104
Ladakh, Chuglamsar, Jammu and Kashmir
Contact
+9118002026161Codes for this Branch
MICR (cheques)
194240003
IFSC (online transfers)
HDFC0005742
SWIFT / BIC
HDFCINBB
MICR Code Structure
194
City
240
Bank
003
Branch
City code 194 identifies the RBI clearing centre, bank code 240 identifies HDFC Bank, and branch code 003 identifies this specific branch.
Online Payment Methods Supported
Other HDFC Bank branches near Ladakh
Other banks in Ladakh, 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 (HDFC0005742) 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 194240003 is in the middle, and your account number is on the right.