MICR code
492020002
Indian Overseas Bank, Raipur
- Bank
- Indian Overseas Bank
- Branch
- Raipur
- IFSC
- IOBA0001213
- Address
- NEAR SHIMRAN HOTEL ,STATION ROAD ,RAIPUR
- City
- Kishanganj
- District
- Raipur
- State
- Bihar
- City code
- 492
- Bank code
- 020
- Branch code
- 002
- Home
- MICR search
- 492020002
MICR code · Kishanganj
MICR code 492020002
✔ Verified in RBI list
How to read MICR 492020002
- 492: the city code. It usually follows the first digits of the area's PIN code; here it is Kishanganj.
- 020: the bank code, the same for every branch of Indian Overseas Bank in cheque clearing.
- 002: the branch code within that city and bank.
The MICR is printed in magnetic ink at the bottom of every cheque leaf, between the cheque number and your account ID. Clearing houses read it under the Cheque Truncation System (CTS) to route the cheque to the right branch. It is not needed for NEFT, RTGS, IMPS or UPI, which use the IFSC (IOBA0001213 for this branch).
Before you deposit or write a cheque
- Check that the MICR on the cheque matches the branch printed at the top of the leaf.
- Use a CTS-2010 cheque; older formats are no longer cleared.
- Write in blue or black ink and do not overwrite on the MICR band; changes can make the cheque bounce.
Frequently asked questions
Which bank does MICR 492020002 belong to?
Indian Overseas Bank, Raipur branch (Kishanganj, Bihar).
What is the IFSC code for MICR 492020002?
IOBA0001213.
What do the digits of 492020002 mean?
492 is the city code, 020 the bank code and 002 the branch code.