Kotak Mahindra Bank Surat - Katargam Gidc
Surat - Katargam Gidc · Surat, Gujarat
395485040 is the MICR code for the Surat - Katargam Gidc branch of Kotak Mahindra 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 KKBK0002892.
Bank
Kotak Mahindra Bank
Branch & Address
Surat - Katargam Gidc
Kotak Mahindra Bank Ltd, 7, 8 , 9, Raj Shopping Centre, Fulpada Main Road, Katargam Gidc, Surat - 395004, Gujarat.
Surat, Surat, Gujarat
Contact
+9118004100MICR Code Structure
395
City
485
Bank
040
Branch
City code 395 identifies the RBI clearing centre, bank code 485 identifies Kotak Mahindra Bank, and branch code 040 identifies this specific branch.
Online Payment Methods Supported
Other Kotak Mahindra 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 (KKBK0002892) 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 395485040 is in the middle, and your account number is on the right.