Punjab & Sind Bank Kotdwar
Kotdwar · Garhwal, Uttarakhand
246023802 is the MICR code for the Kotdwar branch of Punjab & Sind Bank, located in Garhwal, 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 PSIB0021088.
Bank
Punjab & Sind Bank
Branch & Address
Kotdwar
Badrinath Road Near Kaleshwar Press Kotdwar Distt Pauri Garhwal Uttarakhand
Garhwal, Kotdwara, Uttarakhand
Contact
+911382229886MICR Code Structure
246
City
023
Bank
802
Branch
City code 246 identifies the RBI clearing centre, bank code 023 identifies Punjab & Sind Bank, and branch code 802 identifies this specific branch.
Online Payment Methods Supported
Other Punjab & Sind Bank branches near Garhwal
Other banks in Garhwal, 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 (PSIB0021088) 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 246023802 is in the middle, and your account number is on the right.