MICR Code: 132240356
MICR is acronym of Magnetic Ink Character Recognition. Basically it is a character-recognition technology used by the banking industry to ease the processing and clearance of cheques and other documents.
Generally MICR code is nine character long. First three charaters represent city, next three charaters represents bank name and last three charaters represents bank branch.
Let's decode MICR code 132240356.
- In this case first three codes 132 is city code and it represents city Karnal.
- Next three characters 240 represents bank HDFC Bank.
- Remaining characters which are 356 represents branch. In our case branch is located at address Hdfc Bank Ltd Village Balla Vpo And Tehsil Balla Karnal Haryana 132040.
The easiest way to find MICR code is to check your
- Bank account statement
- Cheques
Please examine below sample cheque for more details

I hope this clears doubts.