Utkarsh Small Finance Bank Garhawa
Garhawa · Garhwa, Jharkhand
822762102 is the MICR code for the Garhawa branch of Utkarsh Small Finance 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 UTKS0001425.
Bank
Utkarsh Small Finance Bank
Branch & Address
Garhawa
Vill Sonpur Wa, P.s.garhwa, Paragana Garhwa, Near R.k.public School, Dist-garhwa, Jharkhand, PIN Code822114, Khata No.129, Khesara no 616, 619, Thana No.242, PIN Code 23120
Garhwa, Garhawa, Jharkhand
Contact
+917541811475MICR Code Structure
822
City
762
Bank
102
Branch
City code 822 identifies the RBI clearing centre, bank code 762 identifies Utkarsh Small Finance Bank, and branch code 102 identifies this specific branch.
Online Payment Methods Supported
Other Utkarsh Small Finance 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 (UTKS0001425) 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 822762102 is in the middle, and your account number is on the right.