TJSB Sahakari Bank Ponda Branch
Ponda Branch · North Goa, Goa
403109004 is the MICR code for the Ponda Branch branch of TJSB Sahakari Bank, located in North Goa, Goa. 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 TJSB0000092.
Bank
TJSB Sahakari Bank
Branch & Address
Ponda Branch
Shop. No.29, 30, 31, 32, 33, 34 & 35 , Raj Krishna Tower, Shanti Nagar, Ponda , Goa-403401.
North Goa, Ponda, Goa
Contact
+918322311288MICR Code Structure
403
City
109
Bank
004
Branch
City code 403 identifies the RBI clearing centre, bank code 109 identifies TJSB Sahakari Bank, and branch code 004 identifies this specific branch.
Online Payment Methods Supported
Other TJSB Sahakari Bank branches near North Goa
Other banks in North Goa, Goa
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 (TJSB0000092) 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 403109004 is in the middle, and your account number is on the right.