MICR Code Lookup — Find Any Bank Branch MICR Code

Browse India's complete MICR database across 1,368 banks and 36 states. Find any 9-digit MICR code for ECS mandates, SIP registrations, NACH forms — browse Bank → State → City → Branch or enter the code directly.

Updated Jun 2026 RBI CTS Grid Live Data
181,471 Branches with MICR
1,359 Banks Covered
99.6% MICR Coverage
36 States & UTs
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What is a MICR Code?

MICR stands for Magnetic Ink Character Recognition. It is a 9-digit numerical code printed at the bottom of every cheque leaf issued by banks in India, using special magnetic ink. The Reserve Bank of India (RBI) assigns a unique MICR code to every bank branch that participates in the Cheque Truncation System (CTS) — the electronic cheque clearing network that processes millions of cheques every banking day across India.

The MICR code is printed using a special E-13B font that can be read by high-speed cheque-reading machines at clearing houses. This allows banks and the RBI to process cheques automatically without manual handling, reducing clearing time from days to a single business day. Today, over 181,471 bank branches across India are registered on the CTS grid, each with a unique 9-digit MICR code.

Unlike IFSC codes (used for digital fund transfers) or BSR codes (used for TDS filing), the MICR code is specifically designed for cheque-based and NACH-based banking. It remains the backbone of paper-based and mandate-driven banking in India — you will encounter it when setting up SIPs, ECS mandates, insurance premiums, and loan EMI auto-debits.

How to Read a 9-Digit MICR Code

Every MICR code follows a strict 9-digit format divided into three segments of 3 digits each. Understanding this structure helps you verify whether a code is correct before submitting it on any form.

Digits 1–3: City Code

The first three digits identify the city or CTS clearing zone where the branch is located. Each major city has a unique 3-digit city code assigned by the RBI. Some common city codes:

  • 400 — Mumbai
  • 110 — New Delhi
  • 560 — Bengaluru
  • 600 — Chennai
  • 700 — Kolkata
  • 411 — Pune
  • 380 — Ahmedabad
  • 500 — Hyderabad

Digits 4–6: Bank Code

The middle three digits identify the bank operating in that city. Each bank is assigned a unique 3-digit code per city. For example, within Mumbai's 400 zone, HDFC Bank is identified as 229 — making the first 6 digits of all HDFC Mumbai branch MICR codes 400229.

Digits 7–9: Branch Code

The final three digits identify the specific branch within that bank and city combination. For example, 400229002 identifies HDFC Bank's second registered branch in the Mumbai clearing zone. This three-level structure ensures every branch in India has a globally unique 9-digit identifier within the CTS system.

Where to Find Your MICR Code

There are four reliable ways to find your bank branch's MICR code:

  • At the bottom of your cheque: The MICR code is the 9-digit number printed in magnetic ink at the bottom of every cheque leaf. It sits between the 6-digit cheque number (left) and your account number (right). The numbers appear in a slightly different font compared to normal print — this is the magnetic E-13B font used for machine reading.
  • On your passbook: Most banks print the MICR code on the first page of the passbook, alongside your account number and IFSC code. Check the account details section at the front.
  • In your net banking portal: Log into your bank's internet banking, navigate to Account Details or Account Summary. The MICR code is listed alongside the IFSC and BSR codes in most bank portals.
  • Using BankZop (this tool): Browse Bank → State → City → Branch using the tool above. BankZop covers 181,471 MICR-enabled branches across 1,359 banks in all 36 states and union territories — sourced from official RBI CTS data.

What is MICR Code Used For?

The MICR code is required across multiple financial processes in India. Most people first encounter it on a cheque — but it is also essential for several digital banking and investment processes:

1. Cheque Clearing via the CTS Grid

Every cheque you write or deposit carries the MICR code of the issuing branch. When you deposit a cheque, your bank captures a digital image and submits it to the RBI's Cheque Truncation System. The MICR code routes the clearing request to the correct bank and branch automatically — no manual sorting required. CTS processes cheques within one business day.

2. ECS Mandates (Electronic Clearing Service)

When you set up an auto-debit for utilities, telephone bills, insurance premiums, or any recurring payment, the ECS mandate form requires your 9-digit MICR code. The clearing house uses it to identify your branch and debit your account on the scheduled date. Without a correct MICR code, the ECS mandate will be rejected.

3. NACH Mandates and SIP Registrations

NACH (National Automated Clearing House) — operated by NPCI — is used for SIP (Systematic Investment Plan) registrations in mutual funds. Every time a SIP instalment is due, NACH uses your MICR code to debit your account. Both paper-based and e-mandate SIP forms require the MICR code of your bank branch. If you are registering a SIP for the first time, you must enter the exact 9-digit MICR code of your savings account's home branch.

4. Loan EMI Auto-Debit

Banks and NBFCs collect loan EMIs through NACH mandates. When you sign the NACH form for a home loan, personal loan, or car loan, you are authorising your bank branch — identified by the MICR code — to honour the lender's auto-debit request every month on the due date.

5. Insurance Premium Payments

Life insurance, health insurance, and general insurance companies collect annual or monthly premiums via ECS or NACH. The MICR code on the mandate form directs the insurer's bank to the correct clearing house and branch for the debit transaction.

How the RBI's CTS Grid Uses MICR Codes

The Reserve Bank of India operates the Cheque Truncation System (CTS) — a nationwide electronic cheque processing network that eliminated the physical transportation of cheques between banks. Before CTS, cheques had to physically travel from the depositing bank to the issuing bank and back, taking 2–5 business days. CTS reduced this to one business day.

When you deposit a cheque today, here is what happens:

  1. Your bank scans the cheque and captures a high-resolution digital image.
  2. The MICR line at the bottom is read electronically by a MICR reader.
  3. The city code (digits 1–3) determines which CTS grid — Mumbai, Chennai, or New Delhi — processes the cheque.
  4. The bank code (digits 4–6) routes the clearing request to the correct bank within that grid.
  5. The branch code (digits 7–9) identifies which specific branch account to debit.
  6. Funds are transferred electronically. The entire process is complete within one banking day.

This is why MICR codes must be absolutely accurate on cheques and mandate forms. An incorrect MICR code will cause the cheque or mandate to be returned unpaid — resulting in penalties, bounced cheque fees, and delays.

MICR Codes for Top Indian Banks

India's largest banks by branch network are all fully covered in BankZop's MICR database. Here is a quick overview of the top banks and their MICR presence:

Common Mistakes to Avoid with MICR Codes

  • Confusing MICR with IFSC: These are two different codes for two different systems. Never enter a MICR code in an IFSC field or vice versa.
  • Using a different branch's MICR code: Your MICR code is specific to your home branch. If you have accounts in multiple branches, each has a different MICR code. Always use the one matching your specific account's branch.
  • Entering fewer or more than 9 digits: A MICR code is always exactly 9 digits. If you see 8 or 10 digits, verify again from your cheque book or this tool.
  • Copying from an old cheque book of a merged bank: After bank mergers (such as OBC/UBI into PNB, or Vijaya Bank into Bank of Baroda), MICR codes of legacy branches were reassigned. Always verify using the current data on BankZop.
  • Assuming MICR code = account number: The account number on a cheque is a separate set of digits. The MICR code is specifically the 9-digit magnetic ink printed number — not your 12–16 digit account number.

How to Use BankZop's MICR Code Lookup

BankZop provides two ways to find MICR codes — choose based on what information you already have:

  • Browse by Bank: Use the Browse tab above. Select your bank from the list → choose your state → select your city → pick your branch. The full branch details, including MICR, IFSC, and BSR code, are shown on the result page. This works even if you do not have your cheque book handy.
  • Search by MICR Code: If you already have a 9-digit code and want to verify it or see the branch details, switch to the Search tab and enter the code directly. The result shows the bank name, branch name, city, state, address, IFSC, BSR, and pincode — all in one place.

All data on BankZop is sourced from official RBI CTS records and is updated regularly. For electronic transfer codes, use our IFSC Code Lookup. For TDS challan codes, use the BSR Code Lookup. To look up post office and delivery details, visit our PIN Code Lookup.

Data sourced from RBI CTS records. Last reviewed Jun 2026 by BankZop Editorial Team.

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Frequently Asked Questions — MICR Codes