Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 643012304 belongs to Bank of Baroda, Kotagiri branch in Nilgiris, Tamil Nadu. The matching IFSC code is BARB0VJKONI.
How to read MICR 643012304
643: the city code. It usually follows the first digits of the area's PIN code; here it is Nilgiris.
012: the bank code, the same for every branch of Bank of Baroda in cheque clearing.
304: 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 (BARB0VJKONI 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 643012304 belong to?
Bank of Baroda, Kotagiri branch (Nilgiris, Tamil Nadu).
What is the IFSC code for MICR 643012304?
BARB0VJKONI.
What do the digits of 643012304 mean?
643 is the city code, 012 the bank code and 304 the branch code.
