Surat District Co-operative Bank Puni
Puni · Surat, Gujarat
394244056 is the MICR code for the Puni branch of Surat District Co-operative Bank, located in Surat, Gujarat. 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 SDCB0000095.
Bank
Surat District Co-operative Bank
Branch & Address
Puni
Shree Puni Vibhag Seva Sahkari Mandali Ltd, House no 459, at Po Puni, Ta Palsana, PIN 394352
Surat, Surat, Gujarat
Contact
+912622251612MICR Code Structure
394
City
244
Bank
056
Branch
City code 394 identifies the RBI clearing centre, bank code 244 identifies Surat District Co-operative Bank, and branch code 056 identifies this specific branch.
Online Payment Methods Supported
Other Surat District Co-operative Bank branches near Surat
Other banks in Surat, Gujarat
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 (SDCB0000095) 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 394244056 is in the middle, and your account number is on the right.