MICR Code Checker
Enter a nine-digit Indian MICR code to see its city, bank and branch.
A MICR code has nine digits. The Reserve Bank of India's guidelines say the first three digits stand for the city, the next three for the bank, and the last three for the branch. Type a MICR code below and this page shows the city, bank and branch it belongs to in a list of 153,343 branches. MICR is used for cheque clearing. For an online transfer you normally need the 11-character IFSC code instead.
Check a MICR code
Digits only. Spaces and dashes are ignored. The page loads the branch list for the first three digits, and nothing else you type leaves your browser.
How a MICR Code Is Built
| Digits | Part | What the RBI says |
|---|---|---|
| 1 to 3 | City code | Identifies the city. The RBI lists the city codes in an annexure to its guidelines. |
| 4 to 6 | Bank code | A three-digit code that the RBI allots to a bank on an all-India basis. |
| 7 to 9 | Branch code | Unique to a branch in a city. The service branch of a bank generally has 001. |
The example above is 560013012: city code 560, bank code 013 and branch code 012. In our list it is the Basaveshwar Nagar branch of Bank of India in Bangalore. There is no check digit, so no calculation can tell you whether a MICR code is real. Only a list can.
Go Deeper
What a MICR Code Is
MICR stands for Magnetic Ink Character Recognition. It is the line of numbers printed in magnetic ink along the bottom of a cheque, which machines read to sort and clear it. The RBI's procedural guidelines for mechanised cheque processing describe five fields on that line: the cheque number of six digits, the nine-digit sort field, an optional account number field of six digits, a transaction code of two digits, and an amount field of 13 digits. The nine-digit sort field is what people call the MICR code.
Where to Find Your MICR Code
Look at the bottom of a cheque leaf. The nine-digit number after the six-digit cheque number is the MICR code of the branch. If you have no cheque, ask your branch, or use our MICR code finder to look up a branch by city.
MICR and IFSC Are Different Codes
The IFSC is an 11-character code for electronic transfers such as NEFT, RTGS and IMPS. The MICR code is nine digits and belongs to the cheque clearing system. A branch usually has both, and one does not turn into the other. Check an IFSC with our IFSC code checker.
Why Bank Codes Are Sometimes Shared
The RBI's guidelines say that a sub-member of a clearing house, such as a small co-operative bank, presents cheques through a sponsor bank and is treated as a branch of it. It has the bank code of the sponsor, and its branch code normally starts from 251. So the same bank code can appear for more than one bank name. The bank name this page shows is the one recorded for the branch, and the bank code table is only a guide.
If a MICR Code Is Not Found
The RBI says the nine-digit sort code is unique for any bank branch in the country. In our list, 522 MICR codes belong to more than one IFSC, often because of mergers, and this page shows every match. A code can be missing because the branch closed, merged or was given a new code, or because the list has no MICR for it. In that case the page still splits the code into its three parts, and says which city and bank code are most common in the list. That is a guide, and not proof that the code is real.
What This Page Uses
The structure of the code is from the Reserve Bank of India's Mechanised Cheque Processing Using MICR Technology: Procedural Guidelines (abridged, updated as on 31 January 2014). Branches, banks and cities come from the Razorpay open IFSC dataset, release v2.0.62 of 1 September 2026, which is in the public domain and is built from the RBI's NEFT and RTGS lists and NPCI's lists. It has 153,343 branches with a nine-digit MICR code in 507 city codes. We changed only the letter case of names. The RBI also has its own MICR search. We last checked on 19 September 2026.
Frequently Asked Questions
What is a MICR code?
A nine-digit code printed in magnetic ink at the bottom of a cheque, which machines read to sort and clear it. The Reserve Bank of India's guidelines call it the sort field and say it identifies a bank branch.
What do the nine digits of a MICR code mean?
The first three digits represent the city, the next three the bank, and the last three the branch. For example 560013012 has city code 560, bank code 013 and branch code 012.
How do I find my MICR code?
Look at the bottom of a cheque leaf. The nine-digit number after the six-digit cheque number is the MICR code. If you have no cheque, ask your branch, or use the MICR code finder on this site to look up the branch by city.
What is the difference between MICR and IFSC?
The MICR code has nine digits and is used to clear cheques. The IFSC has 11 characters and is used for electronic transfers such as NEFT, RTGS and IMPS. A branch usually has both, and one is not derived from the other.
Do I need a MICR code to send money online?
Not usually. Online transfers such as NEFT, RTGS and IMPS ask for the IFSC code, the account number and the name. The MICR code is for cheque clearing, and it may be asked for on some forms.
Is a MICR code unique to a branch?
The RBI says the nine-digit sort code is unique for any bank branch in the country. In the list we use, 522 MICR codes belong to more than one IFSC, often after mergers, so this page shows every match and you should check the bank and branch on your cheque.
Why is my MICR code not found?
The branch may have closed, merged or been given a new code, the list may not have a MICR for it, or a digit may be mistyped. This page then still splits the code into city, bank and branch parts and shows the most common names for the city and bank codes. That is a guide only. Read the code again from a cheque, or ask the bank.
Is there a check digit in a MICR code?
No. The RBI describes the sort field as city, bank and branch codes and gives no check digit. That is why a calculation cannot tell you whether a MICR code is real, and this page uses a list.
Why do some banks share a bank code?
The RBI's guidelines say a sub-member of a clearing house, such as a small co-operative bank, presents cheques through a sponsor bank and is treated as a branch of it. It has the sponsor's bank code and its branch code normally starts from 251. So a bank code can appear for more than one bank name.
What does the branch code 001 mean?
The RBI's guidelines say the service branch of a bank is generally allotted the branch code 001. It is the branch that handles the bank's clearing in that city.
Can a MICR code tell me the account holder or the account number?
No. It identifies a bank branch only. The account number is a different field on the cheque, and this page never sees it.
Which city code is which?
The RBI lists the city codes in an annexure to its guidelines. In our list the codes with the most branches are 110 for Delhi, 400 for Mumbai, 700 for Kolkata, 560 for Bangalore, 600 for Chennai. The table on the MICR code finder page lists the largest twenty.
Where does the data come from and how current is it?
The structure is from the RBI's procedural guidelines for mechanised cheque processing. The branches are from the Razorpay open IFSC dataset, release v2.0.62 of 1 September 2026, which is in the public domain and is built from the RBI's NEFT and RTGS lists and NPCI's lists. It has 153,343 branches with a MICR code. We last checked on 19 September 2026.
Is anything I type stored or sent?
No. When you enter a MICR code, your browser downloads a small file with the branches for its first three digits and looks the code up in it. The rest of the code is not sent anywhere, and nothing is saved.
