Surat National Co-operative Bank Ghoddod Road
Ghoddod Road · Surat, Gujarat
395246005 is the MICR code for the Ghoddod Road branch of Surat National 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 SUNB0000005.
Bank
Surat National Co-operative Bank
Branch & Address
Ghoddod Road
Niraj Apartment, Near Mohan Park, Ghoddod Road
Surat, Surat, Gujarat
Contact
+912612259920MICR Code Structure
395
City
246
Bank
005
Branch
City code 395 identifies the RBI clearing centre, bank code 246 identifies Surat National Co-operative Bank, and branch code 005 identifies this specific branch.
Online Payment Methods Supported
Other Surat National 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 (SUNB0000005) 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 395246005 is in the middle, and your account number is on the right.