MICR code
689020202
Indian Overseas Bank, Kumbanad
- Bank
- Indian Overseas Bank
- Branch
- Kumbanad
- IFSC
- IOBA0000436
- Address
- WARD NO V BY 298 A, KUMBANAD PIN 689547
- City
- Ernakulam
- District
- Kumbalangy
- State
- Kerala
- City code
- 689
- Bank code
- 020
- Branch code
- 202
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- 689020202
MICR code · Ernakulam
MICR code 689020202
✔ Verified in RBI list
How to read MICR 689020202
- 689: the city code. It usually follows the first digits of the area's PIN code; here it is Ernakulam.
- 020: the bank code, the same for every branch of Indian Overseas Bank in cheque clearing.
- 202: 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 (IOBA0000436 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 689020202 belong to?
Indian Overseas Bank, Kumbanad branch (Ernakulam, Kerala).
What is the IFSC code for MICR 689020202?
IOBA0000436.
What do the digits of 689020202 mean?
689 is the city code, 020 the bank code and 202 the branch code.