Indian Bank Karaikal
Karaikal · Karaikal, Puducherry
609019102 is the MICR code for the Karaikal branch of Indian Bank, located in Karaikal, Puducherry. 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 IDIB000K016.
Bank
Indian Bank
Branch & Address
Karaikal
80 Bharathiar Road Karaikal Karaikal PIN 609602
Karaikal, Karaikal, Puducherry
Contact
+914368222984MICR Code Structure
609
City
019
Bank
102
Branch
City code 609 identifies the RBI clearing centre, bank code 019 identifies Indian Bank, and branch code 102 identifies this specific branch.
Online Payment Methods Supported
Other Indian Bank branches near Karaikal
Other banks in Karaikal, Puducherry
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 (IDIB000K016) 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 609019102 is in the middle, and your account number is on the right.