Hongkong & Shanghai Banking Corporation Kochi
Kochi · Ernakulam, Kerala
682039002 is the MICR code for the Kochi branch of Hongkong & Shanghai Banking Corporation, located in Ernakulam, Kerala. 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 HSBC0682002.
Bank
Hongkong & Shanghai Banking Corporation
Branch & Address
Kochi
39 by 6765 Harbour View Residency Opposite Shipyard M G Road Kochi 682 015
Ernakulam, Kochi, Kerala
MICR Code Structure
682
City
039
Bank
002
Branch
City code 682 identifies the RBI clearing centre, bank code 039 identifies Hongkong & Shanghai Banking Corporation, and branch code 002 identifies this specific branch.
Online Payment Methods Supported
Other banks in Ernakulam, Kerala
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 (HSBC0682002) 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 682039002 is in the middle, and your account number is on the right.