Apna Sahakari Bank Kalyan
Kalyan · Thane, Maharashtra
400098032 is the MICR code for the Kalyan branch of Apna Sahakari Bank, located in Thane, 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 ASBL0000049.
Bank
Apna Sahakari Bank
Branch & Address
Kalyan
Vedmantra Apartments, Ground Floor, Ghodekhat Lane, Agra Cross Road, Kalyan West, Dist Thane 421301
Thane, Kalyan, Maharashtra
Contact
+912512026077MICR Code Structure
400
City
098
Bank
032
Branch
City code 400 identifies the RBI clearing centre, bank code 098 identifies Apna Sahakari Bank, and branch code 032 identifies this specific branch.
Online Payment Methods Supported
Other Apna Sahakari Bank branches near Thane
Other banks in Thane, 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 (ASBL0000049) 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 400098032 is in the middle, and your account number is on the right.