State Bank of India Garag (SBI)
Garag · Dharwad, Karnataka
581002105 is the MICR code for the Garag branch of State Bank of India, located in Dharwad, Karnataka. 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 SBIN0014777.
Bank
State Bank of India
Branch & Address
Garag
Garag, Malapur Building, Near Bus Stand, Garag, Dist Dharwad 581105
Dharwad, Garag, Karnataka
MICR Code Structure
581
City
002
Bank
105
Branch
City code 581 identifies the RBI clearing centre, bank code 002 identifies State Bank of India, and branch code 105 identifies this specific branch.
Online Payment Methods Supported
Other State Bank of India (SBI) branches near Dharwad
Other banks in Dharwad, Karnataka
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 (SBIN0014777) 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 581002105 is in the middle, and your account number is on the right.