HDFC Bank Smartcity Kakkanad
Smartcity Kakkanad · Ernakulam, Kerala
682240055 is the MICR code for the Smartcity Kakkanad branch of HDFC Bank, 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 HDFC0005122.
Bank
HDFC Bank
Branch & Address
Smartcity Kakkanad
HDFC Bank LTD 1st Floor Building Sck 01 Smart City Kakkanad Kakkanad Kerala 682030
Ernakulam, Kakkanad, Kerala
Contact
+9118002026161Codes for this Branch
MICR (cheques)
682240055
IFSC (online transfers)
HDFC0005122
SWIFT / BIC
HDFCINBB
MICR Code Structure
682
City
240
Bank
055
Branch
City code 682 identifies the RBI clearing centre, bank code 240 identifies HDFC Bank, and branch code 055 identifies this specific branch.
Online Payment Methods Supported
Other HDFC Bank branches near Ernakulam
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 (HDFC0005122) 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 682240055 is in the middle, and your account number is on the right.