India is fast moving towards 100% digital banking and steps like limited number of cash transactions per month per bank account, lower debit and credit card charges, more secure online banking, easy mobile banking and banking with the help of mobile apps are helping to achieve this goal.
Payments through bank cheques are also cashless transaction and it is there from ages however, the use of cheques for payments has increased drastically in India in the past 6 to 10 months. If you have received cheque payment from someone and want to deposit it in your bank then you have to enter details on your bank's cheque deposit slip.
Information like cheque number, date, cheque is from which bank, branch and of what amount are required to fill in. If you are wondering how to find cheque number in SBI, HDFC, ICICI & Axis Bank Cheques then this article is just for you.
Here we are going to tell you how to find cheque number on different bank cheques. The format is almost same irrespective of the issuer banks in India. The cheque is mainly divided into three parts –
#1. Header or Logo:
Every cheque has the bank logo printed at the top left hand corner. Along with this you may find some other details related to the bank or general cheque instructions.
#2. Payee and Payor (Payer) Details:
The second part of the cheque contains payee and payor details along with cheque date. This part starts with payee details like 'Pay' where one has to write account holder name to whom the cheque is paid to, 'Rupees' here one has to mention the cheque amount in words to be paid to payee.
There is a box at the right hand side of the 'Rupees' section where one has to write the cheque amount in numbers then the account number of payor followed by payor signature. Remember that overwriting is not allowed while filling up any cheque so one has to be very careful while writing information on these cheques.
#3. Numeric Numbers Printed:
The third part of the cheque is at the bottom of the cheque where the numbers are printed. The first "6 digits represent a cheque number" which is unique identification number of any cheque (look at below first 6 digits on image of sbi cheque).
The cheque number is followed by 9 digits MICR number. Each three digits of this MICR code respectively represent city code, bank code and branch code. After MICR number there is a portion of payor account number followed by transaction ID.
By going through these three points, now you are familiar with the cheque format which is almost same for every bank in India. Be it SBI, HDFC, ICICI or Axis Bank cheques, you have to look at the bottom of the cheque. The left hand side first 6 digits at the bottom is the cheque number followed by 9 digits MICR code, a portion of account number of payor and transaction ID.
So next time when anyone ask you about you have the number answer ready for that.