State Bank of India Smec, Kota (SBI)
Smec, Kota · Kota, Rajasthan
324002044 is the MICR code for the Smec, Kota branch of State Bank of India, located in Kota, Rajasthan. 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 SBIN0061323.
Bank
State Bank of India
Branch & Address
Smec, Kota
State Bank of India, 1st Floor, Lic Building, Above SBI Main Branch, Chawani Chouraha Kota-324007-rajasthan
Kota, Kota, Rajasthan
Contact
+919892928141MICR Code Structure
324
City
002
Bank
044
Branch
City code 324 identifies the RBI clearing centre, bank code 002 identifies State Bank of India, and branch code 044 identifies this specific branch.
Online Payment Methods Supported
Other State Bank of India (SBI) branches near Kota
Other banks in Kota, Rajasthan
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 (SBIN0061323) 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 324002044 is in the middle, and your account number is on the right.