Bank of Baroda Umbhel Br, Surat (BOB)
Umbhel Br, Surat · Umbhel, Gujarat
395012032 is the MICR code for the Umbhel Br, Surat branch of Bank of Baroda, located in Umbhel, Gujarat. MICR codes are printed on cheque leaves and used by the RBI's Cheque Truncation System (CTS) for cheque clearing. For online transfers, use the IFSC code BARB0UMBHEL.
Bank
Bank of Baroda
Branch & Address
Umbhel Br, Surat
Near Water Works, Umbhel, Surat, Gujarat 394 325
Umbhel, Umbhel, Gujarat
Contact
+910221800223344MICR Code Structure
395
City
012
Bank
032
Branch
City code 395 identifies the RBI clearing centre, bank code 012 identifies Bank of Baroda, and branch code 032 identifies this specific branch.
Online Payment Methods Supported
Other Bank of Baroda (BOB) branches near Umbhel
About MICR Codes
What is a MICR code used for?
MICR (Magnetic Ink Character Recognition) codes are printed on cheque leaves using special magnetic ink. They are read by cheque processing machines and used by the RBI's Cheque Truncation System (CTS) to process and clear cheque payments between banks. Each MICR code uniquely identifies a bank branch for cheque clearing purposes.
MICR vs IFSC — when do I use which?
Use MICR when paying by cheque — it's already printed on your cheque leaf and used automatically during clearing. Use IFSC (BARB0UMBHEL) when making online transfers via NEFT, RTGS, IMPS, or UPI — banks ask for IFSC when you add a beneficiary for online payments.
Where is the MICR code on a cheque?
The MICR code is printed at the bottom of every cheque leaf in a distinctive machine-readable font, using magnetic ink. It appears in the centre of the three numbers at the bottom — the cheque number is on the left, the MICR code 395012032 is in the middle, and your account number is on the right.