Quick MICR Code Examples
Try decoding these sample MICR codes to see how the tool works:
011110001
State Bank of India, Delhi
020400045
HDFC Bank, Mumbai
031560002
ICICI Bank, Bangalore
040600123
Axis Bank, Chennai
What This Tool Does & Doesn't Do
✓ What It Does
- →Decodes MICR code structure (city, bank, and branch)
- →Shows bank name, branch, and city information
- →Validates 9-digit format and structure
- →Runs entirely in your browser (completely private)
✗ What It Doesn't Do
- ×Verify if the account actually exists
- ×Check account balance or funds
- ×Verify cheque validity or detect fraud
- ×Act as official RBI or bank verification service
💡 Tip: Use this tool to quickly understand MICR code structure and decode branch information. For critical matters (loan approvals, legal disputes, cheque verification), always contact your bank directly.
Understanding MICR Codes
Click any section below to expand and learn more about MICR codes, their structure, and how they work in Indian banking.
Frequently Asked Questions
🔒 Privacy & Data Protection
This tool processes everything in your browser. Your MICR code never leaves your device.
- ✓Client-side processing: All decoding happens locally in your browser
- ✓No data storage: We don't save or collect any MICR codes
- ✓No logging: Your search history is not tracked
- ✓No tracking: We don't use analytics or tracking pixels
- ✓No login required: Use anonymously, no account needed
- ✓HTTPS secure: Website uses encryption for your safety
Since all processing happens on your device, your MICR codes never leave your computer. No third parties have access to your data.
⚠️ Disclaimer
Not Official Verification
This is a tool for convenience and learning only, not an official bank or RBI verification service. For important banking matters, verify through your bank directly.
Limited Accuracy
We strive to keep our bank and branch database updated. However, we cannot guarantee 100% accuracy. Banks open new branches, close branches, and relocate. For critical use cases, contact your bank directly.
Format Validation Only
This tool validates the MICR code format and structure only. A valid MICR code does not guarantee the cheque is real, has funds, or belongs to a legitimate account. Always verify through proper channels.
No Fraud Detection
This tool cannot detect fraudulent cheques, counterfeit MICR codes, or dishonored cheques. For fraud concerns, contact your bank's fraud department immediately.
Not Financial or Legal Advice
This tool is informational only. For banking decisions, legal matters, or financial advice, consult qualified professionals and your bank.
No Liability
We are not responsible for errors, losses, damages, or issues resulting from using this tool. Use at your own risk and always verify critical information with your bank.
📌 Important: For loan approvals, legal disputes, cheque verification, or any critical banking matter, always verify MICR codes and account details directly with your bank or through official RBI channels.
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