Esaf Small Finance Bank Kharsia
Kharsia · Janjgir Champa, Chhattisgarh
496760501 is the MICR code for the Kharsia branch of Esaf Small Finance Bank, 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 ESMF0001474.
Bank
Esaf Small Finance Bank
Branch & Address
Kharsia
Gupta Complex, Rajgarh Square, Raigarh Road, Kharsia P O, Rajgarh Dist, Kharsi, Chhattisgarh, 496661
Janjgir Champa, Kharsia, Chhattisgarh
Contact
+917593813400MICR Code Structure
496
City
760
Bank
501
Branch
City code 496 identifies the RBI clearing centre, bank code 760 identifies Esaf Small Finance Bank, and branch code 501 identifies this specific branch.
Online Payment Methods Supported
Other Esaf Small Finance Bank 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 (ESMF0001474) 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 496760501 is in the middle, and your account number is on the right.