State Bank of India SCB FOCAL POINT, LUDHIANA Branch LUDHIANA MICR code indicate many things about a particular banking operation. State Bank of India SCB FOCAL POINT, LUDHIANA Branch has many branches in LUDHIANA. MICR Code for State Bank of India SCB FOCAL POINT, LUDHIANA Branch LUDHIANA clearly shows its MICR Code allocated by RBI. All third party transactions and processing of any such kind can't be possible without MICR code. That is why MICR Code is considered so important in the banking transactions. Getting access to State Bank of India SCB FOCAL POINT, LUDHIANA Branch MICR codes LUDHIANA is not a big deal. It can be found out easily. The MICR Code of a particular bank indicates lots of things that it offers to account holders.