Union Bank of India Champa (UBI)
Champa · Janjgir Champa, Chhattisgarh
495026002 is the MICR code for the Champa branch of Union Bank of India, located in Janjgir Champa, Chhattisgarh. 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 UBIN0555479.
Bank
Union Bank of India
Branch & Address
Champa
Barpali Chowk, Station Road, Post Champa, Dist. Janjir - Champa, Chhattisgarh - 495 671.
Janjgir Champa, Champa, Chhattisgarh
Contact
245333MICR Code Structure
495
City
026
Bank
002
Branch
City code 495 identifies the RBI clearing centre, bank code 026 identifies Union Bank of India, and branch code 002 identifies this specific branch.
Online Payment Methods Supported
Other Union Bank of India (UBI) branches near Janjgir Champa
Other banks in Janjgir Champa, Chhattisgarh
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 (UBIN0555479) 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 495026002 is in the middle, and your account number is on the right.