South Malabar Gramin Bank branches in Ponnani: Get the list of South Malabar Gramin Bank MICR codes in Ponnani which are made available by Branch. Ponnani MICR code is a character-recognition technology used mainly by the banking industry to ease the processing and clearance of cheques and other documents. Ponnani MICR code has 9 digits first three digits are Ponnani City Code, second three digits are Ponnani bank code and last three are Ponnani branch code.