Hongkong & Shanghai Banking Corporation Gariahat Kolkata
Gariahat Kolkata · Kolkata, West Bengal
700039005 is the MICR code for the Gariahat Kolkata branch of Hongkong & Shanghai Banking Corporation, located in Kolkata, West Bengal. 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 HSBC0700005.
Bank
Hongkong & Shanghai Banking Corporation
Branch & Address
Gariahat Kolkata
No 2 by 1 Ekdalia Road Kolkata 700 019
Kolkata, Kolkata, West Bengal
MICR Code Structure
700
City
039
Bank
005
Branch
City code 700 identifies the RBI clearing centre, bank code 039 identifies Hongkong & Shanghai Banking Corporation, and branch code 005 identifies this specific branch.
Online Payment Methods Supported
Other Hongkong & Shanghai Banking Corporation branches near Kolkata
Other banks in Kolkata, West Bengal
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 (HSBC0700005) 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 700039005 is in the middle, and your account number is on the right.