Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 845013603 belongs to Bank of India, Bagaha branch in Bagaha Paschimi Champaran Bh, Bihar. The matching IFSC code is BKID0005779.
How to read MICR 845013603
845: the city code. It usually follows the first digits of the area's PIN code; here it is Bagaha Paschimi Champaran Bh.
013: the bank code, the same for every branch of Bank of India in cheque clearing.
603: 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 (BKID0005779 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 845013603 belong to?
Bank of India, Bagaha branch (Bagaha Paschimi Champaran Bh, Bihar).
What is the IFSC code for MICR 845013603?
BKID0005779.
What do the digits of 845013603 mean?
845 is the city code, 013 the bank code and 603 the branch code.
