State Bank of India MICR Codes in Ludhiana, Punjab

State Bank of India MICR Codes in Ludhiana, Punjab

State Bank of India has 116 branches in Ludhiana, Punjab, with 116 branches registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Each branch has a unique 9-digit MICR code — the magnetic ink identifier printed at the bottom of every cheque issued by that branch. BankZop's State Bank of India Ludhiana directory is sourced directly from official RBI CTS data, making it the most reliable reference for branch MICR codes in Ludhiana.

Click any branch from the list above to view its complete details — MICR code, IFSC code, BSR code, address, and phone number — all on a single result page with one-click copy buttons.

How to Find Your State Bank of India MICR Code in Ludhiana

You are one click away from the MICR code you need. Here is the process:

• Step 1 — Filter if needed: Type your branch name in the search box above if the list is long. The list filters instantly as you type.
• Step 2 — Click your branch: Click the branch where your State Bank of India account is held. Make sure it is the exact branch — not just any State Bank of India branch in Ludhiana.
• Step 3 — Copy the MICR code: The result page shows the 9-digit MICR code with a large Copy button. It also shows the IFSC code, BSR code, full address, and phone number for the same branch.

If you are not sure which branch your account belongs to, check your State Bank of India passbook first page, internet banking account summary, or the cheque book issued by your branch. The MICR code on your cheque will match the one on BankZop for the same branch.

What is the MICR Code for State Bank of India in Ludhiana?

Every State Bank of India branch in Ludhiana has a 9-digit MICR code structured as follows:

• Digits 1–3 (City Code): All State Bank of India branches in Ludhiana share the same first 3 digits — the CTS city code assigned by the RBI for the Ludhiana clearing zone.
• Digits 4–6 (Bank Code): These 3 digits identify State Bank of India within the Ludhiana clearing zone. All State Bank of India branches in Ludhiana share this segment.
• Digits 7–9 (Branch Code): The final 3 digits are unique to each branch. This is what differentiates the 116 State Bank of India branches in Ludhiana from each other.

This means that even if two State Bank of India branches are on the same street in Ludhiana, they have different MICR codes. Always use the code for the specific branch where your account is held — not just any State Bank of India Ludhiana branch.

When You Need the State Bank of India Ludhiana MICR Code

SIP Registrations and Mutual Fund Mandates

When registering a Systematic Investment Plan (SIP), the NACH mandate form asks for your bank branch's MICR code. If your account is at a State Bank of India branch in Ludhiana, find your branch's MICR code above and enter it on the mandate form. The NPCI's NACH platform uses this code to debit your account each month for the SIP instalment. Using an incorrect MICR code causes mandate rejection and delays your SIP setup.

ECS Mandates for Bills and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity, broadband, gas, and insurance premiums require your State Bank of India branch MICR code in Ludhiana. The ECS mandate form has a specific field for the 9-digit MICR code — not the IFSC. The clearing system uses this to identify your branch and process the recurring debit on the scheduled date.

Loan EMI Collection

Banks and NBFCs serving Ludhiana collect loan EMIs via NACH mandates. When you take a home loan, personal loan, or vehicle loan, the lender asks for your bank account's MICR code to set up the monthly auto-debit. Enter the MICR code of your specific State Bank of India branch in Ludhiana — found by clicking your branch in the list above.

About State Bank of India Branches in Ludhiana, Punjab

State Bank of India has been serving customers in Ludhiana with a network of 116 branches offering full banking services — savings accounts, current accounts, loans, fixed deposits, and digital banking. All 116 MICR-enabled branches participate in the RBI's CTS cheque clearing system, ensuring cheques deposited anywhere in India are cleared within one business day.

To browse State Bank of India branches in other cities in Punjab, visit the State Bank of India Punjab directory. For all State Bank of India branches nationwide, see the State Bank of India MICR code directory. For electronic transfer codes, use the State Bank of India Ludhiana IFSC directory. For loan EMI planning, use the free EMI Calculator.