Saraswat Co-operative Bank Kurla N S Bank Govandi
Kurla N S Bank Govandi · Mumbai, Maharashtra
400077005 is the MICR code for the Kurla N S Bank Govandi branch of Saraswat Co-operative Bank, located in Mumbai, Maharashtra. 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 SRCB0KNS005.
Bank
Saraswat Co-operative Bank
Branch & Address
Kurla N S Bank Govandi
Shilpshree Appartment, Opp. Patavardhan High School, Govandi Station, Mumbai 400 088
Mumbai, Mumbai, Maharashtra
Contact
+912225580786MICR Code Structure
400
City
077
Bank
005
Branch
City code 400 identifies the RBI clearing centre, bank code 077 identifies Saraswat Co-operative Bank, and branch code 005 identifies this specific branch.
Online Payment Methods Supported
Other Saraswat Co-operative Bank branches near Mumbai
Other banks in Mumbai, Maharashtra
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 (SRCB0KNS005) 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 400077005 is in the middle, and your account number is on the right.