Punjab National Bank Changanacherry (PNB)
Changanacherry · Changanacherry, Kerala, Kerala
686024000 is the MICR code for the Changanacherry branch of Punjab National Bank, located in Changanacherry, Kerala, 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 PUNB0395400.
Bank
Punjab National Bank
Branch & Address
Changanacherry
Xv/489, Salim Complex 1st Floor Opp Municipal
Changanacherry, Kerala, Changanacherry, Kerala, Kerala
MICR Code Structure
686
City
024
Bank
000
Branch
City code 686 identifies the RBI clearing centre, bank code 024 identifies Punjab National Bank, and branch code 000 identifies this specific branch.
Online Payment Methods Supported
Other Punjab National Bank (PNB) branches near Changanacherry, 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 (PUNB0395400) 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 686024000 is in the middle, and your account number is on the right.