Ever Wondered What The 23 Digits At The Bottom Of The Cheque Represent?


Making transactions through a cheque is something most of us would have done at some point in time and as for the entrepreneurs, the cheques remain one of the most frequently used modes of transaction. You would have signed a cheque many times but did you ever notice the numbers at the bottom of the cheque?


Image Source: elearnmarkets.com


If you have not then just go grab your cheque book! Can you see a 23 digit number printed at the bottom of the cheque? Did you ever care to find out what these different sets of numbers signify? Well, you might have never cared to find out but its time we learn about the significance of these sets of numbers written at the bottom of a cheque.



  1. Cheque Number

The first set of numbers written at the bottom of the cheque signifies the cheque number. The cheque number is a 6 digit number which goes first in the different sets of numbers on the cheque.

So now you know that the first set of 6 numbers signifies the cheque number.

2. MICR Code

Next is a 9 digit number which represents the MICR code. MICR stands for Magnetic Ink Character Recognition. 

The first three digits of this 9 digit number signify the city code of the bank account.

The next three digits represent the bank code 

The last three digits of the MICR code represent the branch code.

3. Bank Account Number

The next set of 6 digits is the bank account number as maintained by the Reserve Bank Of India, the apex bank of the country. This set of numbers contains a few digit from your bank account numbers.

4. Current Account Or Saving Account

The last pair of digits in the 23 digits written at the bottom of the check represents if the account is a savings account or a current account. This helps in the fast processing of cheques especially in the case of outstation cheques.