Utkarsh Small Finance Bank Kotwa
Kotwa · East Champaran, Bihar
845762013 is the MICR code for the Kotwa branch of Utkarsh Small Finance Bank, located in East Champaran, Bihar. 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 UTKS0001894.
Bank
Utkarsh Small Finance Bank
Branch & Address
Kotwa
Bazar Tola Road Nh-28 Link Road Near Cdpo Office Kotwa District-east Champaran Bihar PIN Code-845437
East Champaran, Kotwa, Bihar
MICR Code Structure
845
City
762
Bank
013
Branch
City code 845 identifies the RBI clearing centre, bank code 762 identifies Utkarsh Small Finance Bank, and branch code 013 identifies this specific branch.
Online Payment Methods Supported
Other Utkarsh Small Finance Bank branches near East Champaran
Other banks in East Champaran, Bihar
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 (UTKS0001894) 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 845762013 is in the middle, and your account number is on the right.