MICR (Magnetic Ink Character Recognition) has revolutionized the Indian banking landscape by offering a robust platform for electronic fund transfers nationwide. Banking institutions have strategically established MICR-enabled branches, streamlining the process of secure fund transfers for customers. MICR facilitates swift and hassle-free transactions, empowering individuals and enterprises to transfer funds between bank accounts seamlessly. This comprehensive list consolidates all MICR-enabled bank branches across India, offering users convenient access to MICR codes for their banking requirements.
| Explore MICR Codes of all Bank Branches in India | ||
| Abhyudaya Cooperative Bank | Almora Urban Cooperative Bank Limited | Arvind Sahakari Bank Ltd |
| Ahmedabad Mercantile Cooperative Bank | Ambarnath Jaihind Cooperative Bank Limited, Ambarnath | Australia and New Zealand Banking Group Limited |
| Ahmednagar Merchants Cooperative Bank Limited | Andhra Pragathi Grameena Bank | AU Small Finance Bank Limited |
| Airtel Payments Bank Limited | Andhra Pradesh Grameena Vikas Bank | Axis Bank |
| Akola Janata Commercial Cooperative Bank | Apna Sahakari Bank Limited | |
| Bandhan Bank Limited | Bank of China Limited India Branch | Bhagini Nivedita Sahakari Bank Limited, Pune |
| Bank of America | Bank of India | Bharat Cooperative Bank Mumbai Limited |
| Bank of Bahrein and Kuwait | Bank of Maharashtra | Bombay Mercantile Cooperative Bank Ltd |
| Bank of Baroda | Barclays Bank | BNP Paribas Bank |
| Bank of Ceylon | Bassein Catholic Cooperative Bank Limited | |
| Canara Bank | CITI Bank | Credit Agricole Corporate and Investment Bank |
| Capital Small Finance Bank Limited | Citizen Credit Cooperative Bank Limited | Credit Suisse AG |
| Central Bank of India | City Union Bank Limited | CSB Bank Limited |
| Chhattisgarh Rajya Gramin Bank | Coastal Local Area Bank Ltd | CTBC Bank Co Limited |
| Darussalam Cooperative Urban Bank Ltd | Deposit Insurance and Credit Guarantee Corporation | Doha Bank QSC |
| DBS Bank India Limited | Deustche Bank | Dombivli Nagari Sahakari Bank Limited |
| DCB Bank Limited | Dhanalakshmi Bank | Durgapur Steel Peoples Cooperative Bank Limited |
| Deogiri Nagari Sahakari Bank Limited, Aurangabad | DMK Jaoli Bank | |
| Emirates NBD Bank P J S C | Equitas Small Finance Bank Limited | Export Import Bank of India |
| Esaf Small Finance Bank Limited | ||
| Federal Bank | FINO Payments Bank | First Abu Dhabi Bank PJSC |
| Fincare Small Finance Bank Limited | Firstrand Bank Limited | |
| G P Parsik Bank | GS Mahanagar Cooperative Bank Limited, Mumbai | Guardian Souharda Sahakari Bank Niyamita |
| HDFC Bank | Himachal Pradesh State Cooperative Bank Limited | Hutatma Sahakari Bank Ltd |
| Haryana State Cooperative Bank | HSBC Bank | |
| ICICI Bank Limited | India Post Payment Bank | Industrial and Commercial Bank of China Limited |
| IDBI Bank | Indusind Bank | Industrial Bank of Korea |
| IDFC First Bank Limited | Indian Overseas Bank | Irinjalakuda Town Cooperative Bank Limited |
| Indian Bank | ||
| Jalgaon Janata Sahkari Bank Limited | Janaseva Sahakari Bank (Borivli) Limited | Jio Payments Bank Limited |
| Jammu and Kashmir Bank Limited | Janaseva Sahakari Bank Limited | JP Morgan Chase Bank NA |
| Janakalyan Sahakari Bank Limited | Janata Sahakari Bank Limited (Pune) | JSC VTB Bank |
| Jana Small Finance Bank Limited | Janatha Seva Cooperative Bank Ltd | |
| Kallappanna Awade Ichalkaranji Janata Sahakari Bank Limited | Karnataka Gramin Bank | Kerala Gramin Bank |
| Kalyan Janata Sahakari Bank Limited | Karnataka Vikas Grameena Bank | Kookmin Bank |
| Kalupur Commercial Cooperative Bank | Karur Vysya Bank | Kotak Mahindra Bank Limited |
| Karnataka Bank Limited | KEB Hana Bank | |
| Maharashtra Gramin Bank | MashreqBank PSC | Model Co-operative Bank Ltd |
| Maharashtra State Cooperative Bank | Mizuho Bank Limited | MUFG Bank Limited |
| Mahesh Sahakari Bank Limited Pune | ||
| National Bank for Agriculture and Rural Development | New India Cooperative Bank Limited | NSDL Payments Bank Limited |
| Nagpur Nagarik Sahakari Bank Limited | NKGSB Cooperative Bank Limited | Nutan Nagarik Sahakari Bank Limited |
| Nav Jeevan Cooperative Bank Limited | North East Small Finance Bank Limited | |
| Pavana Sahakari Bank Ltd | Prime Cooperative Bank Limited | Punjab and Sind Bank |
| Paytm Payments Bank Limited | PT Bank Maybank Indonesia TBK | Punjab National Bank |
| Qatar National Bank SAQ | ||
| Rabobank International | Rajasthan Marudhara Gramin Bank | Rajnandgaon District Central Co-operative Bank Ltd |
| Rajarambapu Sahakari Bank Limited | Rajgurunagar Sahakari Bank Limited | RBL Bank Limited |
| Rajarshi Shahu Sahakari Bank Limited, Pune | Rajkot Nagrik Sahakari Bank Limited | Reserve Bank of India |
| Samarth Sahakari Bank Limited | Shinhan Bank | South Indian Bank |
| Sant Sopankaka Sahakari Bank Limited | Shivalik Small Finance Bank Limited | Sree Charan Souhardha Cooperative Bank Ltd |
| Saptagiri Grameena Bank | Shri Chhatrapati Rajashri Shahu Urban Cooperative Bank Limited | Standard Chartered Bank |
| Saraspur Nagrik Cooperative Bank Limited, Saraspur | Shri Veershaiv Cooperative Bank Limited | State Bank of India |
| Saraswat Cooperative Bank Limited | Shree Kadi Nagarik Sahakari Bank Limited | Suco Souharda Sahakari Bank Limited |
| Satara Sahakari Bank Limited | Smriti Nagrik Sahakari Bank Maryadit | Sumitomo Mitsui Banking Corporation |
| Saurashtra Gramin Bank | Sir M Visvesvaraya Cooperative Bank Limited | Surat National Cooperative Bank Limited |
| SBER Bank | Societe Generale | Suryoday Small Finance Bank Limited |
| SBM Bank India Limited | Solapur Janata Sahakari Bank Limited | Sutex Cooperative Bank Limited |
| Shikshak Sahakari Bank Limited | ||
| Tamilnad Mercantile Bank Limited | The Kalyan Janata Sahakari Bank Ltd | The Pusad Urban Cooperative Bank Limited, Pusad |
| Telangana State Coop Apex Bank | The Kangra Central Cooperative Bank Limited | The Punjab State Cooperative Bank Ltd |
| Textile Traders Cooperative Bank Limited | The Kangra Cooperative Bank Limited | The Rajasthan State Cooperative Bank Limited |
| The Ajara Urban Cooperative Bank Limited, Ajara | The Karad Urban Cooperative Bank Limited | The Satara District Central Cooperative Bank Ltd |
| The A.P. Mahesh Cooperative Urban Bank Limited | The Karanataka State Cooperative Apex Bank Limited | The Shamrao Vithal Cooperative Bank |
| The Akola District Central Cooperative Bank | The Kerala State Cooperative Bank Limited | The Sindhudurg District Central Coop Bank Limited |
| The Akola Urban Cooperative Bank Limited | The Kolhapur Urban Co-op Bank Ltd | The Surat District Cooperative Bank Limited |
| The Ahmednagar District Central Co-Operative Bank Ltd | The Kurmanchal Nagar Sahakari Bank Limited | The Surath Peoples Cooperative Bank Limited |
| The Andhra Pradesh State Coop Bank Limited | The Malad Sahakari Bank Ltd | The Tamil Nadu State Apex Cooperative Bank |
| The Bank of Nova Scotia | The Meghalaya Co-operative Apex Bank Ltd | The Thane Bharat Sahakari Bank Limited |
| The Banaskantha Mercantile Cooperative Bank Ltd | The Mehsana Urban Cooperative Bank | The Thane District Central Cooperative Bank Limited |
| The Baramati Sahakari Bank Limited | The Mumbai District Central Cooperative Bank Limited | The Udaipur Urban Cooperative Bank Limited |
| The Burdwan Central Co-operative Bank Ltd | The Muslim Cooperative Bank Limited | The Urban Cooperative Bank Limited |
| The Cooperative Bank of Rajkot Limited | The Municipal Cooperative Bank Limited, Mumbai | The Varachha Cooperative Bank Limited |
| The Cosmos Cooperative Bank Limited | The Nainital Bank Limited | The Vijay Cooperative Bank Limited |
| The Delhi State Cooperative Bank Limited | The Nasik Merchants Cooperative Bank Limited | The Vishweshwar Sahakari Bank Limited |
| The Gadchiroli District Central Cooperative Bank Limited | The Navnirman Cooperative Bank Limited | The West Bengal State Cooperative Bank |
| The Greater Bombay Cooperative Bank Limited | The Nawanagar Cooperative Bank Ltd | The Zoroastrian Cooperative Bank Limited |
| The Gujarat State Cooperative Bank Limited | The Nilambur Cooperative Urban Bank Limited, Nilambur | TJSB Sahakari Bank Limited |
| The HASTI Cooperative Bank Limited | The Odisha State Cooperative Bank Limited | Tumkur Grain Merchants Cooperative Bank Limited |
| The Jalgaon Peopels Cooperative Bank Limited | The Pandharpur Urban Cooperative Bank Limited, Pandharpur | |
| UCO Bank | United Overseas Bank Limited | Utkarsh Small Finance Bank |
| Ujjivan Small Finance Bank Limited | Unity Small finance Bank Limited | Uttar Pradesh Cooperative Bank Limited |
| Union Bank of India | Urban Co operative Bank Limited Bareilly | |
| Vasai Janata Sahakari Bank Limited | Vasai Vikas Sahakari Bank Limited | |
| Woori Bank | ||
| Yes Bank | ||
| Zila Sahakri Bank Limited Ghaziabad | ||
MICR (Magnetic Ink Character Recognition): Ensuring Cheque Processing Efficiency
- What is MICR?
MICR, or Magnetic Ink Character Recognition, is a technology used for processing and authenticating paper-based documents, primarily cheques, in the banking system. It involves the use of special ink and characters that are magnetically detectable.
- Structure of MICR Code
MICR (Magnetic Ink Character Recognition) code is a unique code used to identify bank branches during electronic transactions. It typically consists of 9 digits and is printed at the bottom of checks to facilitate automated processing.
The MICR code format is as follows:
The first 3 digits represent the city code.
The next 3 digits represent the bank code.
The last 3 digits represent the branch code.
Here’s an example of a MICR code: 110002005
In this example:
“110” represents the city code.
“002” represents the bank code.
“005” represents the branch code.
This MICR code corresponds to a specific bank branch located in the city with the code “110,” associated with the bank with code “002,” and the branch with code “005.”
- Application of MICR Code
MICR codes are primarily used in cheque clearing processes. When a cheque is deposited, the MICR code is read by magnetic scanners, facilitating automatic sorting and processing. This technology enhances the speed and accuracy of cheque clearing, minimizing the chances of errors associated with manual handling.
For more information you can also visit Reserve Bank of India: MICR Codes of Bank Branches under the jurisdiction of CTS Grid Centres
MICR FAQs: Your Guide to Magnetic Ink Character Recognition
| Question | Answer |
| What does MICR stand for? | Magnetic Ink Character Recognition |
| What is the purpose of MICR technology? | To facilitate secure and efficient processing of cheques and other documents by automatically reading encoded information |
| What are the components of a MICR line? | The MICR line consists of the cheque number, bank code, and account number |
| How is MICR ink different from regular ink? | MICR ink contains iron oxide particles, making it magnetic and easily detectable by MICR readers |
| What is the MICR encoding process? | During encoding, characters are printed using MICR ink in a specific font known as E-13B or CMC-7 |
| What is the MICR encoding standard? | E-13B and CMC-7 are the two main MICR font standards used globally |
| How is MICR ink read by MICR readers? | MICR readers use magnetic heads to detect and interpret the magnetic ink characters on documents |
| What are the advantages of MICR technology? | Improved accuracy, faster processing times, and enhanced security of financial transactions |
| Which documents commonly use MICR technology? | Cheques, demand drafts, deposit slips, and other financial documents |
| How does MICR help prevent fraud? | MICR helps prevent fraud by making alterations or counterfeiting of documents more difficult |
| What is the role of MICR in cheque clearing? | MICR facilitates automatic sorting and routing of cheques, expediting the clearing process |
| Can MICR be used for electronic fund transfers? | No, MICR is specifically designed for paper-based transactions and is not used for electronic transfers |
| How is MICR information encoded on cheques? | MICR information is encoded in a designated area at the bottom of cheques called the MICR line |
| How does MICR improve cheque processing speed? | MICR enables automated processing, reducing the need for manual handling and expediting cheque clearance |
| What is the role of MICR in cheque truncation? | MICR plays a vital role in cheque truncation by capturing cheque data electronically and eliminating physical movement |
| How is MICR technology used in ATMs? | MICR is utilized in ATMs for cheque deposits, where the MICR line is scanned to capture cheque details for processing |
| What is the difference between MICR and OCR? | MICR reads characters using magnetic ink, while OCR (Optical Character Recognition) reads characters optically from text |
| Is MICR technology standardized globally? | Yes, MICR technology follows international standards to ensure compatibility and interoperability across different systems |
| Can MICR encoding be altered or tampered with? | Altering or tampering with MICR encoding is difficult due to the use of specialized ink and printing standards |
| What is the lifespan of MICR ink? | MICR ink has a long lifespan and remains legible even after prolonged storage or exposure to harsh conditions |
| Are there any disadvantages to MICR technology? | MICR technology requires specialized equipment and ink, which can be costly to implement and maintain |
| How does MICR technology contribute to banking? | MICR technology streamlines banking operations by automating processes, enhancing accuracy, and improving security |
| Can MICR technology be used with other payment systems? | MICR technology is primarily used for cheque processing and is not compatible with most electronic payment systems |
| What is the future outlook for MICR technology? | Despite advancements in electronic payments, MICR technology remains essential for cheque processing in many regions |
| Where can I find more information about MICR? | Additional information about MICR technology can be obtained from banks, financial institutions, and industry resources |
Disclaimer: The content on this blog serves general informational purposes and is not professional advice. Users are advised to verify their bank branch’s MICR code through official sources or by directly contacting the bank, as banking regulations and MICR codes may change. We do not assume responsibility for any inconvenience or loss due to reliance on the provided information. The MICR code provided is for illustration purposes only, and users should independently confirm details before initiating financial transactions. Thank you for your understanding.