Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 821013704 belongs to Bank of India, Kochas branch in Kochas Bihar, Bihar. The matching IFSC code is BKID0005794.
How to read MICR 821013704
821: the city code. It usually follows the first digits of the area's PIN code; here it is Kochas Bihar.
013: the bank code, the same for every branch of Bank of India in cheque clearing.
704: 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 (BKID0005794 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 821013704 belong to?
Bank of India, Kochas branch (Kochas Bihar, Bihar).
What is the IFSC code for MICR 821013704?
BKID0005794.
What do the digits of 821013704 mean?
821 is the city code, 013 the bank code and 704 the branch code.
