Surat Mercantile Co-operative Bank Surat Merc Coop Bank Kapodara
Surat Merc Coop Bank Kapodara · Surat, Gujarat
395245009 is the MICR code for the Surat Merc Coop Bank Kapodara branch of Surat Mercantile 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 YESB0SMCB09.
Bank
Surat Mercantile Co-operative Bank
Branch & Address
Surat Merc Coop Bank Kapodara
F-36 to 40, Sargam Complex 1st Floor, nr Tapshila Soc Kapodara, Surat -395006
Surat, Surat, Gujarat
Contact
+912612567856MICR Code Structure
395
City
245
Bank
009
Branch
City code 395 identifies the RBI clearing centre, bank code 245 identifies Surat Mercantile Co-operative Bank, and branch code 009 identifies this specific branch.
Online Payment Methods Supported
Other Surat Mercantile 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 (YESB0SMCB09) 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 395245009 is in the middle, and your account number is on the right.