324656 Explanation
Write the value of the easting to the left of the spring (32). Then divide the area upto the next easting into 10 equal parts and find the exact location on which the spring is located (4) and write it next to the value of the easting already found. Thus the number is 324.
Write the value of the northing just below the spring (65). Then divide the area upto the next northing into 10 equal parts and find the exact location on which the spring is located (6) and write it next to the value of the northing already found. Thus the number is 656.
By combining the easting number 324 and northing number 656, we get the 6-figure grid reference 324656.