Bank of America MICR Codes — All Branches by State

Bank of America MICR Codes — Complete Branch Directory

Bank of America is one of India's prominent banks with 5 branches spread across 4 states and union territories, all registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Every branch has a unique 9-digit MICR code — a mandatory identifier printed at the bottom of every cheque issued by that branch in magnetic ink. BankZop's Bank of America MICR directory covers all branches across India, sourced from official RBI CTS data and updated regularly.

You need the Bank of America MICR code of your specific branch whenever you register a SIP mandate, set up an ECS auto-debit, sign a NACH form for loan EMI, or link your account for insurance premium payments. This page lets you drill down by state, city, and branch to find the exact 9-digit code for your account's home branch in seconds.

What is the MICR Code for Bank of America?

MICR stands for Magnetic Ink Character Recognition. The MICR code for any Bank of America branch is a 9-digit number that uniquely identifies that branch within the RBI's automated cheque clearing infrastructure. It is printed at the bottom of every Bank of America cheque in special magnetic ink using the E-13B font — the same font used by all banks in India for CTS compliance.

Unlike the IFSC code (which is used for digital transfers), the MICR code is specifically used for cheque-based clearing and automated mandate processing. When you deposit a Bank of America cheque, the clearing house reads the MICR code to instantly route the clearing request to the correct bank and branch without any manual intervention. This is why the MICR code must be exact — a single wrong digit causes the cheque or mandate to be returned.

How the Bank of America MICR Code Is Structured

Every Bank of America MICR code follows the standard 9-digit RBI format divided into three segments of 3 digits each:

• Digits 1–3 (City Code): Identifies the CTS clearing zone — the city or metropolitan area where the branch is located. For example, Mumbai branches start with 400, Delhi branches with 110, Bengaluru with 560, and Chennai with 600. Every Bank of America branch in the same city shares the same first 3 digits.
• Digits 4–6 (Bank Code): Identifies Bank of America within that city's clearing zone. All Bank of America branches in the same city share the same bank code.
• Digits 7–9 (Branch Code): Identifies the specific Bank of America branch. This is what makes each MICR code unique — no two Bank of America branches in the same city share the same branch code.

How to Find Your Bank of America Branch MICR Code

BankZop provides the fastest way to find any Bank of America branch MICR code in India. Use the drill-down above:

• Step 1 — Select State: Choose your state from the list above. Bank of America operates in 4 states — type in the filter box to find yours instantly.
• Step 2 — Select City: After selecting your state, choose the city where your Bank of America branch is located.
• Step 3 — Select Branch: Pick your specific branch from the list of all Bank of America branches in that city.
• Step 4 — View Result: The branch result page shows the complete 9-digit MICR code with a one-click Copy button, plus the IFSC code, BSR code, address, and phone number.

Alternatively, if you have your Bank of America cheque book, the MICR code is the 9-digit number printed in magnetic ink at the bottom of any cheque leaf — positioned between the cheque serial number (left) and your account number (right). You can also check the first page of your passbook, or log into Bank of America's internet banking portal and navigate to Account Details.

When You Need Your Bank of America MICR Code

SIP and Mutual Fund Registrations

When setting up a Systematic Investment Plan (SIP) through a mutual fund house, the NACH mandate form requires your bank branch's MICR code. You must enter the MICR code for the specific Bank of America branch where your savings or current account is held. The fund house uses this to authorise monthly debits from your account through the National Automated Clearing House (NACH) network. Using an incorrect MICR code will cause the SIP mandate to be rejected, delaying your investment setup.

ECS Mandates for Utility Bills and Insurance

ECS (Electronic Clearing Service) is used by utility companies, insurance firms, and subscription services to collect recurring payments from your Bank of America account. Every ECS mandate form has a field for your bank's MICR code. This tells the clearing system which Bank of America branch to debit on the due date. ECS mandates are commonly used for electricity bills, gas connections, broadband plans, and life or health insurance premium renewals.

Loan EMI Auto-Debit

If you have a home loan, personal loan, car loan, or NBFC loan, the lender will ask you to sign a NACH mandate for monthly EMI collection. This mandate requires the MICR code of your Bank of America account branch. Without the correct MICR code, the auto-debit mandate will fail, resulting in a missed EMI and possible penalty charges. Always use the MICR code of the branch that holds your primary account — not just any Bank of America branch.

Post-Dated Cheques (PDC)

Lenders who collect loan repayments via post-dated cheques require cheques from the specific Bank of America branch account. The MICR code is already pre-printed on every Bank of America cheque. However, if a PDC is rejected due to a discrepancy, verifying the MICR code against BankZop's directory helps confirm whether the cheque was issued by the correct branch.

Insurance Premium Payments

Life insurance and general insurance companies collect annual or monthly premiums via NACH or ECS mandates. The mandate form fields include your Bank of America branch's MICR code. Errors in the MICR code cause mandate rejection by the insurer's bank, leading to a lapse in insurance coverage — a serious risk for life and health policies.

How Bank of America MICR Codes Enable Cheque Clearing

The Reserve Bank of India operates the Cheque Truncation System (CTS) — an electronic cheque clearing network that processes millions of cheques every banking day without requiring physical cheque movement. The NPCI's NACH platform also uses MICR codes for mandate-based auto-debits. When someone deposits a Bank of America cheque at any bank in India, here is what the MICR code enables:

1. Scanning: The depositing bank scans the cheque and reads the MICR line electronically using a MICR reader.
2. Zone routing: The first 3 digits of the Bank of America MICR code identify the CTS clearing zone (city) and route the request to the correct RBI clearing house.
3. Bank identification: Digits 4–6 identify Bank of America within that clearing zone, directing the clearing request to Bank of America's processing system.
4. Branch debit: Digits 7–9 identify the exact branch, enabling the system to locate and debit the correct account.
5. Settlement: Funds are settled between banks within one business day — entirely without physical cheque transport.

This automated process means the MICR code on any Bank of America cheque must be accurate. A single incorrect digit routes the clearing request to the wrong branch or bank, resulting in a dishonoured cheque and potential penalties for the account holder.

Bank of America MICR Codes Across States

Bank of America has a nationwide presence with 5 MICR-enabled branches registered on the RBI's Cheque Truncation System grid. Here is the state-wise branch breakdown — click any state above to browse branches directly:

Branch counts reflect MICR-enabled branches on the RBI CTS grid as of Jun 2026. Data sourced from official RBI records.

To find MICR codes for other banks, visit the MICR Code Lookup homepage. For electronic transfer codes, use the IFSC Code Lookup. For TDS challan codes, use the BSR Code Lookup. To plan loan repayments, try the free EMI Calculator.