Reading a grid reference
An MGRS reference has three parts. The grid zone designator (31U) names a cell of the UTM grid: one of 60 zones, each 6° of longitude, and one of 20 latitude bands lettered C to X. The 100 km square identifier (DQ) is a column letter and a row letter. The numerical location (48251 11932) gives the easting and then the northing inside that square, always as two halves of equal length.
The number of digits sets the precision: one digit each pins a 10 km square, two a 1 km square, three 100 m (the familiar six-figure reference), four 10 m and five 1 m. References are truncated, so the point lies inside the square named and never in a neighbouring one. Read the digits "right, then up": easting first.
UTM writes the same position in full metres: zone, hemisphere, easting and northing. The letters in MGRS are only a shorthand for the hundreds-of-kilometres digits. Two places break the regular grid: zone 32V is widened to cover south-west Norway, and zones 31X to 37X over Svalbard are 9° or 12° wide, with 32X, 34X and 36X left out.