How many Bank of India branches are in Bihar?

Bank of India has 371 branches across 227 cities in Bihar, all registered on the RBI's Cheque Truncation System (CTS) grid. Each branch has a unique 9-digit MICR code. Use the city list above to find your specific branch.

How do I find the MICR code for my Bank of India branch in Bihar?

To find your Bank of India MICR code in Bihar: (1) Select your city from the list above, (2) Click your branch name, (3) The 9-digit MICR code is displayed on the result page with a one-click Copy button. You can also check the bottom of any Bank of India cheque — the MICR code is the 9-digit number printed in magnetic ink between the cheque number and account number.

What is the MICR code used for at Bank of India branches in Bihar?

The Bank of India MICR code in Bihar is required for: SIP registrations — NACH mandate forms for mutual fund SIPsECS mandates — auto-debit for insurance, utilities, and billsLoan EMI auto-debit — NACH mandate for home, personal, and car loansCheque clearing — all Bank of India cheques in Bihar are processed using MICR

Is the MICR code the same for all Bank of India branches in Bihar?

No. Every Bank of India branch in Bihar has a unique 9-digit MICR code. The first 3 digits identify the city clearing zone, the middle 3 identify the bank, and the last 3 identify the specific branch. Two branches in the same city share the first 6 digits but have different last 3 digits.

Why would a NACH or ECS mandate from a Bank of India Bihar branch fail?

NACH and ECS mandates using a Bank of India Bihar MICR code can fail for several reasons: (1) Incorrect MICR code — using a code from a different Bank of India branch or another bank entirely. (2) Account number mismatch — the account number on the mandate does not match the bank's records for that branch. (3) Mandate not yet activated — paper NACH mandates take 20–30 days to process; a debit attempted before activation will be rejected. (4) Insufficient balance on the scheduled debit date. (5) Account frozen, dormant, or closed. If rejected, the lender or fund house receives a return code and will contact you to resubmit with the correct MICR details.

How quickly do cheques from Bank of India Bihar branches clear through CTS?

Cheques drawn on Bank of India branches in Bihar clear in T+1 working days through the RBI's Cheque Truncation System (CTS). A cheque deposited on Monday is credited to the payee by Tuesday; one deposited Friday clears the following Monday. The CTS operates on scanned cheque images — no physical paper moves between banks after the initial deposit — which enables one-day clearing across all 227 cities where Bank of India operates in Bihar. High-value cheques above ₹50,000 may occasionally take T+2 days.

Can I use any Bank of India Bihar branch MICR code for my SIP?

No. You must use the MICR code of the specific Bank of India branch where your account is held — not just any branch in Bihar. Using a different branch's MICR code on a NACH mandate will cause rejection. Navigate to your exact branch using the city list above.

How do I verify my Bank of India MICR code in Bihar?

You can verify your Bank of India branch MICR code in Bihar three ways: (1) Use BankZop — navigate State → City → Branch for the official RBI-sourced code. (2) Check the bottom of your Bank of India cheque leaf — the 9-digit magnetic ink number is your MICR code. (3) Log into Bank of India internet banking and check Account Details. Data on BankZop is sourced from RBI CTS records.

Bank of India MICR Code Bihar — Branch Codes for ECS, NACH & Cheque

Bank of India MICR Codes in Bihar — Complete City Directory

Bank of India operates 371 branches across 227 cities in Bihar, 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 for cheque clearing, ECS mandates, SIP registrations, and NACH auto-debits. BankZop's Bank of India Bihar MICR directory is sourced directly from official RBI CTS data and updated regularly, making it the most reliable source for accurate branch MICR codes in Bihar.

Whether you are setting up a mutual fund SIP, registering an ECS mandate for insurance, or submitting a NACH form for loan EMI collection, you need the exact MICR code of the Bank of India branch in Bihar where your account is held. Use the city list above to navigate directly to your branch.

How to Find Your Bank of India MICR Code in Bihar

Finding the right MICR code takes under 30 seconds on BankZop. Here is the exact process:

Step 1 — Select City: You are already on the Bihar page. Choose your city from the list above. Type in the search box to filter instantly if the list is long.
Step 2 — Select Branch: The city page lists all Bank of India branches in that city. Click your specific branch — the one where your savings or current account is held.
Step 3 — Copy MICR Code: The branch result page shows the full 9-digit MICR code with a one-click Copy button. It also shows the IFSC code, BSR code, address, and phone number for the same branch.

If you already have your Bank of India cheque book, the MICR code is printed at the bottom of every cheque leaf in magnetic ink — the 9-digit number between the cheque serial number and your account number. You can verify it matches our database by searching BankZop for your branch.

Why Each Bank of India Branch in Bihar Has a Different MICR Code

Every Bank of India branch in Bihar has a unique 9-digit MICR code structured as follows:

Digits 1–3 (City Code): Identifies the CTS clearing zone within Bihar. Each major city in Bihar has a distinct 3-digit city code assigned by the RBI. All Bank of India branches in the same city share this prefix.
Digits 4–6 (Bank Code): Identifies Bank of India within that city's clearing zone. This is the same for all Bank of India branches in the same city.
Digits 7–9 (Branch Code): This is what makes each MICR code unique. The final 3 digits identify the specific Bank of India branch. No two branches in Bihar share the same complete 9-digit code.

This hierarchical structure enables the RBI's CTS clearing system to automatically route any Bank of India cheque in Bihar to the correct clearing house, bank, and branch — without any manual intervention.

When You Need the Bank of India Bihar MICR Code

SIP and Mutual Fund Registrations

If you hold a Bank of India savings account in Bihar and want to set up a Systematic Investment Plan (SIP), the NACH mandate form will ask for your branch's MICR code. This is how the fund house identifies your Bank of India Bihar branch to debit your SIP amount each month through the NPCI's NACH platform. Entering the wrong MICR code will result in a rejected mandate and delayed SIP setup.

ECS Mandates for Utilities and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity bills, broadband payments, gas connections, and insurance premium renewals all require your Bank of India branch MICR code in Bihar. The ECS mandate form specifically asks for a 9-digit MICR code — not the IFSC code. The clearing system uses this to identify your branch and process the auto-debit on the due date.

Loan EMI Collection Mandates

Banks and NBFCs operating in Bihar collect loan EMIs via NACH mandates. When you sign a NACH form for a home loan, personal loan, car loan, or two-wheeler loan, the lender's bank uses your Bank of India branch MICR code to set up the recurring debit. An incorrect MICR code causes the mandate to fail, resulting in a missed EMI and possible late payment penalties.

Post-Dated Cheques and Cheque Clearing

All cheques issued by Bank of India branches in Bihar carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Bihar reads the MICR code to route the clearing request electronically. The entire process — from deposit to settlement — happens within one business day, thanks to the MICR-based CTS infrastructure.

Cities in Bihar with Bank of India Branches

Bank of India has a presence in 227 cities across Bihar with MICR-enabled branches:

Adampur Dist Bhagalpur 1 Aghara Dist Jamui 1 Ahiyapur Distt Muzaffarpur 1 Ajwan Dist Patna 1 Aliganj Habibpur 1 Aran Dist Saharsa 1 Araria 1 Araria Bihar 1 Arrah Bihar 2 Arwal 1 Aurangabad 3 Bagaha Paschimi Champaran Bh 1 Bahadurpur Distarwal 1 Baheri 1 Baidrabad Distarwal 1 Bakhtiarpur Disttpatna 1 Bangaon Dist Saharsa 1 Banka 2 Bankatta Chowk Dist Madhubani 1 Banmankhi 1 Barauni 1 Bariaria Dist East Champaran 1 Bariyarpur Distt Munger Bh 1 Basuki Behari Dist Madhubani 1 Baunsi Distt Banka Bh 1 Bedauli Dist Darbhanga 1 Begusarai 5 Bejha 1 Benipur 1 Bettiah Dist Muzaffarpur 1 Bhabuau Bh 1 Bhadaula Dist Kaimur 1 Bhagalpur 11 Bhagwanpur District Vaishali 1 Bhagwanpur Distt Muzaffarpur 1 Bhaisahwa 1 Bharwari Distmazaffarpur 1 Bhasar Machhaha Dist Sitamarhi 1 Bhawanipur Dist Bhagalpur 1 Bhelwa Dist Saharsa 1 Bhimpur Bihar 1 Bhitha Dist Sitamarhi 1 Bhitha More Distt Sitamarhi 1 Bhojpur 1 Bihar Sharif 4 Bihariganj 1 Bihia 1 Bihta Bh 1 Bikramganj Dist Rohtas 1 Binodpur Distkatihar 1 Bisaul District Madhubani 1 Bodh Gaya Dist Gaya 1 Bramhpur Distt Buxar Bh 1 Buxar 2 Champaran 1 Chandaur Dist Saharsa 1 Chanpatia Bihar 1 Chapra 2 Chhapra 1 Chorma District East Champaran 1 Dalsinghsarai Bh 1 Danapur Bh 1 Daranagar Dist Rohtas 1 Darbhanga 9 Dariyapur Chainpur Dist Patna 1 Dehri On Sone 2 Desari 1 Dheevar Dist Patna 1 Dhekha Sirsa Disteast Champaran 1 Dighwara 1 Dumra 1 Dumraon Bihar 2 East Chamaparan 1 East Champaran 1 Fatehpur Dist Gaya 1 Fatwah 1 Forbbesganj Bh 1 Gamharia 1 Gaya 2 Gaya Bihar 5 Gerabari 1 Gethaura Dist Katihar 1 Gogri Jamalpur Distt Khagaria Bh 1 Golma District Saharsa 1 Gopalganj 4 Gopalganj Bihar 2 Gorakhari Distpatna 1 Hajipur 3 Hathouri Dist Muzaffarpur 1 Haveli Kharagpur Distmunger 1 Hisua Bh 1 Jadia 1 Jamalpur Dist Munger 1 Jamuhar Bihar 1 Jamui 4 Jhajha Distt Jamui Bihar 1 Jhanjharpur Bh 1 Jibdhara Dist East Champaran 1 Kailgarh Dist Siwan 1 Kamdeopur Dist Banka 1 Kanti Thermal Power Dist Muzaffarpur 1 Kasba Sangameshwar Mh 1 Katihar 4 Katoria Dist Banka 1 Kauwa Dist Samastipur 1 Kendui Distgaya 1 Kewas Jagir Dist Samastipur 1 Khagaria 1 Khagaria Bihar 1 Khagaul 1 Kharahara Distbanka 1 Kishanganj 1 Kishanganj Bihar 1 Kochas Bihar 1 Koshila Dist Gaya 1 Kunriya Dist East Champaran 1 Lagma Distt Darbhanga 1 Lakhisarai 1 Lalbagh Bihar 1 Laufa Distt Madhubani 1 Lauriya Basmatta Dist Banka 1 Lawapur Narayan Dist Vaishali 1 Madhepura 3 Madhuaha Birit Dist East Champaran 1 Madhubani 7 Madnapur 1 Maharajganj 1 Mahdah Dist Buxar 1 Mahraurh Dist Rohtas 1 Mairwa Distt Siwan 1 Maker Dist Saran 1 Makhdumpur Dist Arawali 1 Maner 1 Manjhaul Begusarai Dist 1 Masaurhi 1 Mirganj Dist Gopalganj 1 Mohadi 1 Motihari 2 Motipur Dist Supaul 1 Mow Bazidpur Dist Samastipur 1 Munger 2 Muzaffarpur 15 Nalanda 7 Naubatpur Dist Patna 1 Nawadah Bihar 1 Nirmali 1 Nisarpura Dist Patna 1 Nokha 1 Paigambarpur Kolhua Distt Muzaffarpur 1 Parorabihar 1 Parsa Bazar Dist Saran 1 Parsauni Bh 1 Parwaha Distsitamarhi 1 Patna 37 Patna City 3 Piplawan Distpatna 1 Pirari Dist West Champaran 1 Piro Bh 1 Punaura Distt Sitamarhi 1 Purbi Champaran 1 Purnea 2 Purnia 3 Radhanagar Dist Supaul 1 Rafiganj Dist Begusarai 1 Rajakharwar Dist Darbhanga 1 Rajgir Bihar 1 Ramgr Dist Bhabhua 1 Ramkishunpur Dist Samastipur 1 Rampur Distsaran 1 Rauna Dist Gaya 1 Raxaul Bihar 1 Riga 1 Rohtas 1 Rohtas Dist Rohtas Bihar 1 Rosera Distt Samastipur 1 Runisaidpurbihar 1 Sagahi Dist Gaya 1 Sagarpur Dist Jehanabad 1 Sahadullapur Dist Vaishali 1 Saharsa 3 Sahdeokhap Dist Gaya 1 Sahsaram Dist Sitamarhi 1 Sakra Dist Muzaffarpur 1 Sakri Saraiya Distt Muzaffarpur 1 Samastipur 3 Saraiya Muzaffarpur 1 Saran 2 Saran Bihar 2 Sarthua Dist Jehanabad 1 Sasamusa 1 Sasaram 1 Sehuka Dist Bhabhua 1 Seohara 1 Shahpurbihar 1 Sheikhpura Bh 1 Sheikhpura Kadim 1 Sheohar Bihar 1 Simari Bakhtiyarpur 1 Simrahi Bazar 1 Sisaura Dist Bhabhua 1 Siswan Chainpur Dist Siwan 1 Sita Mau Mp 1 Sitamarhi 1 Sitamarhi Bihar 4 Siwan 8 Sonbarsa Raj Dist Saharsa 1 Sonepur 1 Sono Dumri Dist Jamui 1 Sonpura Dist Saharsa 1 Sowan Dist Bauxar 1 Sujawalpur Dist Muzaffarpur 1 Sukul Pakar Disteast Champaran 1 Sultanganj Bh 1 Supaul 6 Supauli Bh 1 Suryagarhabihar 1 Tajpur Bihar 1 Tarapur 1 Tek Niwas Dist Saran 1 Titra Dist Siwan 1 Triveniganj Dist Supaul 1 Ukhai Bazar Dist Siwan 1 Usewa Dist Gaya 1 Vaishali 3 Vyapur 1 Wazirganj 1 West Champaran 1

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

To browse Bank of India branches in other states, visit the Bank of India MICR directory. For all bank MICR codes, use the MICR Code Lookup homepage. For loan planning, try the free EMI Calculator.

Bank of India MICR Codes in Bihar — All Cities