Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 812013503 belongs to Bank of India, Bhawanipur branch in Bhawanipur Dist Bhagalpur, Bihar. The matching IFSC code is BKID0004630.
How to read MICR 812013503
812: the city code. It usually follows the first digits of the area's PIN code; here it is Bhawanipur Dist Bhagalpur.
013: the bank code, the same for every branch of Bank of India in cheque clearing.
503: 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 (BKID0004630 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 812013503 belong to?
Bank of India, Bhawanipur branch (Bhawanipur Dist Bhagalpur, Bihar).
What is the IFSC code for MICR 812013503?
BKID0004630.
What do the digits of 812013503 mean?
812 is the city code, 013 the bank code and 503 the branch code.
