Indian Bank Joshimath
Joshimath · Chamoli, Uttarakhand
246019104 is the MICR code for the Joshimath branch of Indian Bank, located in Chamoli, Uttarakhand. 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 IDIB000J624.
Bank
Indian Bank
Branch & Address
Joshimath
Near Gandhi Maidan Upper Bazaar Joshimath Joshimath PIN 246443
Chamoli, Joshimath, Uttarakhand
Contact
+917696760995MICR Code Structure
246
City
019
Bank
104
Branch
City code 246 identifies the RBI clearing centre, bank code 019 identifies Indian Bank, and branch code 104 identifies this specific branch.
Online Payment Methods Supported
Other Indian Bank branches near Chamoli
Other banks in Chamoli, Uttarakhand
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 (IDIB000J624) 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 246019104 is in the middle, and your account number is on the right.