Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 676012103 belongs to Bank of Baroda, Kottakkal branch in Malappuram, Kerala. The matching IFSC code is BARB0VJKOMA.
How to read MICR 676012103
676: the city code. It usually follows the first digits of the area's PIN code; here it is Malappuram.
012: the bank code, the same for every branch of Bank of Baroda in cheque clearing.
103: 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 (BARB0VJKOMA 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 676012103 belong to?
Bank of Baroda, Kottakkal branch (Malappuram, Kerala).
What is the IFSC code for MICR 676012103?
BARB0VJKOMA.
What do the digits of 676012103 mean?
676 is the city code, 012 the bank code and 103 the branch code.
