Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 815013513 belongs to Bank of India, Kharagdiha branch in Kharagdiha Dist Hazaribagh, Jharkhand. The matching IFSC code is BKID0004845.
How to read MICR 815013513
815: the city code. It usually follows the first digits of the area's PIN code; here it is Kharagdiha Dist Hazaribagh.
013: the bank code, the same for every branch of Bank of India in cheque clearing.
513: 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 (BKID0004845 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 815013513 belong to?
Bank of India, Kharagdiha branch (Kharagdiha Dist Hazaribagh, Jharkhand).
What is the IFSC code for MICR 815013513?
BKID0004845.
What do the digits of 815013513 mean?
815 is the city code, 013 the bank code and 513 the branch code.
