How many Bank of India branches are in West Bengal?

Bank of India has 413 branches across 230 cities in West Bengal, 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 West Bengal?

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

The Bank of India MICR code in West Bengal 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 West Bengal are processed using MICR

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

No. Every Bank of India branch in West Bengal 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 West Bengal branch fail?

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

Cheques drawn on Bank of India branches in West Bengal 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 230 cities where Bank of India operates in West Bengal. High-value cheques above ₹50,000 may occasionally take T+2 days.

Can I use any Bank of India West Bengal 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 West Bengal. 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 West Bengal?

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

Bank of India MICR Codes in West Bengal — Complete City Directory

Bank of India operates 413 branches across 230 cities in West Bengal, 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 West Bengal 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 West Bengal.

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 West Bengal 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 West Bengal

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 West Bengal 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 West Bengal Has a Different MICR Code

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

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

When You Need the Bank of India West Bengal MICR Code

SIP and Mutual Fund Registrations

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

Bank of India has a presence in 230 cities across West Bengal with MICR-enabled branches:

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 West Bengal — All Cities