MICR Code Line Structure – the remaining 3



This post is in continuation of my previous post dt.20/07/2010

The following 3 fields complete the MICR code on the physical cheque. The MICR Code structure is the same for CTS 2010 as well as non-CTS 2010 cheque leaves.

iii) Account number field, consisting of six digits followed by a delimiter, is an optional field. In the case of Government Cheques issued by RBI alone, the account number is of seven digits. The Government Account number is 10 digits in length – 7 digits occurring in the Account number field and three in the transaction code field.

In an automated processing of cheques, the banks IT applications usually tag the cheque to the correct account based on the 6 digit short account number and the printed cheque number.

(iv) Transaction code field comprising of two digits in all instruments except Government cheques drawn on RBI which have a 3 digit transaction code. Control documents – batch and block tickets – have a three digit representation in the transaction code field.


(v) The last field represents the amount field and consists of 13 digits bounded on both sides by a delimiter. The amount is encoded in paise without the decimal point.

The first 4 fields are printed at the time of the cheque printing and only the fifth field i.e Amount field is inputted later, as the amount is blank at the time of printing the cheque.

Under CTS scenario, the amount field in the MICR Code line structure is not relevant at all

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