MICR code
144013208
Bank of India, Phagwara SME
- Bank
- Bank of India
- Branch
- Phagwara SME
- IFSC
- BKID0006391
- Address
- G T ROAD PHAGWARADISTT KAPURTHALA
- City
- Phagwara
- District
- Phagwara
- State
- Punjab
- City code
- 144
- Bank code
- 013
- Branch code
- 208
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MICR code · Phagwara
MICR code 144013208
✔ Verified in RBI list
How to read MICR 144013208
- 144: the city code. It usually follows the first digits of the area's PIN code; here it is Phagwara.
- 013: the bank code, the same for every branch of Bank of India in cheque clearing.
- 208: the branch code within that city and bank.
The MICR is printed in magnetic ink at the bottom of every cheque leaf, between the cheque number and your account ID. Clearing houses read it under the Cheque Truncation System (CTS) to route the cheque to the right branch. It is not needed for NEFT, RTGS, IMPS or UPI, which use the IFSC (BKID0006391 for this branch).
Before you deposit or write a cheque
- Check that the MICR on the cheque matches the branch printed at the top of the leaf.
- Use a CTS-2010 cheque; older formats are no longer cleared.
- Write in blue or black ink and do not overwrite on the MICR band; changes can make the cheque bounce.
Frequently asked questions
Which bank does MICR 144013208 belong to?
Bank of India, Phagwara SME branch (Phagwara, Punjab).
What is the IFSC code for MICR 144013208?
BKID0006391.
What do the digits of 144013208 mean?
144 is the city code, 013 the bank code and 208 the branch code.