UCO Bank Garhwa
Garhwa · Garhwa, Jharkhand
822028102 is the MICR code for the Garhwa branch of UCO Bank, located in Garhwa, Jharkhand. 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 UCBA0003190.
Bank
UCO Bank
Branch & Address
Garhwa
Tiwari Rest House Complex Ranka Road Po Garhwa PIN 822114 Dist Garhwa, Garhwa , Jharkhand PIN 822114
Garhwa, Garhwa, Jharkhand
Contact
+918877159284MICR Code Structure
822
City
028
Bank
102
Branch
City code 822 identifies the RBI clearing centre, bank code 028 identifies UCO Bank, and branch code 102 identifies this specific branch.
Online Payment Methods Supported
Other UCO Bank branches near Garhwa
Other banks in Garhwa, Jharkhand
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 (UCBA0003190) 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 822028102 is in the middle, and your account number is on the right.