How many Bank of India branches are in Gujarat?

Bank of India has 433 branches across 232 cities in Gujarat, 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 Gujarat?

To find your Bank of India MICR code in Gujarat: (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 Gujarat?

The Bank of India MICR code in Gujarat 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 Gujarat are processed using MICR

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

No. Every Bank of India branch in Gujarat 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 Gujarat branch fail?

NACH and ECS mandates using a Bank of India Gujarat 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 Gujarat branches clear through CTS?

Cheques drawn on Bank of India branches in Gujarat 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 232 cities where Bank of India operates in Gujarat. High-value cheques above ₹50,000 may occasionally take T+2 days.

Can I use any Bank of India Gujarat 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 Gujarat. 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 Gujarat?

You can verify your Bank of India branch MICR code in Gujarat 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 Gujarat — Branch Codes for ECS, NACH & Cheque

Bank of India MICR Codes in Gujarat — Complete City Directory

Bank of India operates 433 branches across 232 cities in Gujarat, 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 Gujarat 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 Gujarat.

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 Gujarat 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 Gujarat

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 Gujarat 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 Gujarat Has a Different MICR Code

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

Digits 1–3 (City Code): Identifies the CTS clearing zone within Gujarat. Each major city in Gujarat 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 Gujarat 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 Gujarat to the correct clearing house, bank, and branch — without any manual intervention.

When You Need the Bank of India Gujarat MICR Code

SIP and Mutual Fund Registrations

If you hold a Bank of India savings account in Gujarat 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 Gujarat 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 Gujarat. 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 Gujarat 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 Gujarat carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Gujarat 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 Gujarat with Bank of India Branches

Bank of India has a presence in 232 cities across Gujarat with MICR-enabled branches:

Ahmadabad 3 Ahmedabad 75 Alampur 1 Alina Taluka Mahudha District Kheda 1 Alindra Distt Kheda Gj 1 Amod 1 Amreli Gj 1 Anand 5 Anjar 1 Ankaleshwar 1 Atkot Dist Rajkot 1 Awakhal Tal Sinor Distvadodara 1 Babapur Dist Amareli 1 Bagasara Gujrat 1 Baladia 1 Bamangam Tal Borsaddist Anand 1 Banas Kantha 1 Banaskantha Gj 1 Banaskatha 1 Bardoli 1 Baruch 1 Bayad Gj 1 Bed 1 Bedipara 1 Bengaluru 1 Bhachau 1 Bhalpara 1 Bhanvad Dist Jamnagar 1 Bharasar 1 Bharuch 3 Bhat Simroli Tal Keshoddist Junagarh 1 Bhavnagar 6 Bhiloda Dt Sabarkantha 1 Bhimasar Kutch Distt 1 Bhujj 2 Bochasan Dist Anand 1 Botad Dist Bhavnagar 1 Chalthan Dist Surat 1 Chanasma 1 Changodar Gj 1 Chhipdi Dist Kheda 1 Chhota Udepur 2 Chikhli Gujarat 1 Chikhodra Tal Dist Ananad 1 Chotila Gj 1 Dahisara Gandhinagar 1 Dahod 1 Dahodgujarat 1 Dakor Distkheda 1 Dang 1 Danta 1 Dared Distt Jamnagar 1 Dehgam Gj 1 Desalpar Tal Bhuj Dist Kutch 1 Devgadh Baria Gj 1 Dhandhuka 1 Dhansura 1 Dhari Gujrat 1 Dharoli Dist Bharuch 1 Dhokalia Talsankheda Dist Vadodara 1 Dholka Distt Ahmedabad 1 Dhoraji 1 Dhrol Rajkot 1 Dumas Dist Surat 1 Dungarpur Dist Junagarh 1 Dwarka Gj 1 Fatepar Chanol Distrajkot 1 Fort Songadh Dist Tapi 1 Gadhada Distt Bhavnagar 1 Gandhidham 2 Gandhinagar 12 Gandhinagar Gj 1 Ghantia Prachi Tal Veraval Dist Junagarh 1 Godhra 1 Godpar 1 Gondal 2 Gorgam Taluka District Valsad 1 Haldarvas Distt Kheda 1 Halol 1 Halvad Dist Surendranagar 1 Harij 1 Himatnagar Dist Sabarkantha 1 Idar Gujarat 1 Ins Valsuradist Jamnagar 1 Isanpur 1 Itola Dist Vadodara 1 Jalundh Tal Khambat Dist Anand 1 Jamnagar 8 Jangral Tal Dist Patan 1 Jasdan Gujrat 1 Jivapar Dist Rajkot 1 Junagadh 3 Kadi 1 Kalol 3 Kamliwada Tal Dist Patan 1 Kandla 1 Kanjari Dist Kheda 1 Kapadvanj Dt Kheda Gujarat 1 Karamsad 1 Kardej Via Vartej District Bhavnagar 1 Karjan Vadodara 1 Kasturbadham Dist Rajkot 1 Kathana Tal Borsad Dist Anand 1 Kathlal Dist Kheda 1 Kavitha Dist Anand 1 Kera 1 Keshod 1 Kevadia Tal Kapadvanj Dist Kheda 1 Khambat Dist Anand 1 Khatraj Distt Kheda Gj 1 Kheda 4 Kheda Gj 1 Kheda Gujarat 1 Khedbrahma 1 Kheralu Distt Mehsana Gj 1 Khodapipar Dist Rajkot 1 Kim Char Rasta Tal Mangrol Dist Surat 1 Kudasan 1 Kundli Distahmedabad 1 Kunjrao Dist Anand 1 Kutch 1 Kutch Mandvi 2 Kuvadva Dist Rajkot 1 Lalpur Gujrat 1 Lingad Tal Choryasi Dist Surat 1 Longdi Dist Bhavnagar 1 Lunawada 1 Mahesana 1 Mahijada Tal Daskori Distahmedabad 1 Mahuva Gujrat 1 Manavadar Rajkot 1 Mangrol Dist Junagarh 1 Manund Tal Dist Patan 1 Martoli 1 Meda Adrajgujarat 1 Mehsana 4 Modassa 1 Modhwada Tal Dist Porbandar 1 Morvi 2 Mota Fofalia Tal Sinor Distvadodara 1 Mota Karala Distvadodara 1 Moti Virani Tal Nakhatranadist Kutch 1 Mundra Dist Kutch 1 Nadiad 1 Nakhatrana 1 Napad Tal Dist Anand 1 Naranpur 1 Navagam Dist Surat 1 Navsari 4 Neknam Dist Rajkot 1 Nirona Dist Kutch 1 Ognaj Taldaskori Dist Ahmedabad 1 Paddhari Dist Rajkot 1 Palanpur 2 Patan 1 Petlad 1 Pilvai Tal Vaijapur Dist Mehasana 1 Pipariya Gujrat 1 Piplata Dist Kheda 1 Pirana Ahmedabad 1 Pisawada Dist Ahmedabad 1 Porbandar 2 Prantij Dt Sabarkantha 1 Radhanpur Distt Patan Gj 1 Rajkot 17 Rajpipla Gujarat 1 Rajula Gujarat 1 Ranghola Po Sanosara Tal Umraladist Bhavnagar 1 Rav Moti 1 Raval Dist Jamnagar 1 Sadra Tal Dist Gandhinagar 1 Salal Tal Prantijdist Sabarkantha 1 Samarkha Distanand 1 Samlaya Tal Savli Distvadodara 1 Sanand Gj 1 Sanoda Tal Dehgaum Dist Gandhinagar 1 Sardhar Dist Rajkot 1 Saroda Tal Dholka Dist Ahmedabad 1 Satara 1 Satem Dist Navsari 1 Satlasana Distt Mehsana Gj 1 Savali Gj 1 Savarkundlagujrat 1 Siddhpur 1 Sihor Dist Bhavnagar 1 Sodhana Tal Dist Porbandar 1 Sojitra Distanand 1 Songadh Dist Bhavnagar 1 Sukhpar 1 Sultanpur Dist Rajkot 1 Surat 27 Surendranagar 2 Talaja Dist Bhavnagar 1 Talala Rajkot 1 Talod Gujarath 1 Thol Tal Kadi Distmehasana 1 Turkha Tal Botad Dist Bhavnagar 1 Ukardina Muwada Distkheda 1 Umalla Dist Bharuch 1 Una 1 Unjha 1 Upleta Distrajkot 1 Utavali Tal Tilakwada Distnarmada 1 Vadal Sourashtra Dist Junagarh 1 Vadia Dist Amareli 1 Vadinar Dist Jamnagar 1 Vadnagar Dist Mehsana Gj 1 Vadodara 6 Vadodra 24 Vadtal Dist Kheda 1 Valsad 3 Valukad Takhteshwar Taluka Ghogha Dist Bhavnagar 1 Valvada Taluka Mahuva District Surat 1 Vamaj Tal Kadi Distmehasana 1 Vansjalia Dist Jamnagar 1 Vapi 2 Vasad Gujarat 1 Vasana Tal Borsad Dist Anand 1 Vayor Kutch Gj 1 Velavadar Dist Bhavnagar 1 Veraval Gujrath 2 Vijalpor Dist Navasari 1 Vijapur Dist Mehsana Gj 1 Vinchhiya 1 Viramgam Gj 1 Visnagar Dist Mehasana 1 Vyara Dist Surat 1 Wadhwan 1 Wanghroli Distkheda 1 Wankaner Rajkot 1 Wankaner Tal Savali Dist Vadodara 1 Zak Tal Dehgam Gujarath 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 Gujarat — All Cities