Varachha Co-operative Bank Utran
Utran · Surat, Gujarat
394289002 is the MICR code for the Utran branch of Varachha 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 VARA0289028.
Bank
Varachha Co-operative Bank
Branch & Address
Utran
Shop No. G-85 to 87, Ground Floor, Silver Business Point, Near Vip Circle, Utran, Surat-394101
Surat, Surat, Gujarat
Contact
+912616918461MICR Code Structure
394
City
289
Bank
002
Branch
City code 394 identifies the RBI clearing centre, bank code 289 identifies Varachha Co-operative Bank, and branch code 002 identifies this specific branch.
Online Payment Methods Supported
Other Varachha 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 (VARA0289028) 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 394289002 is in the middle, and your account number is on the right.