Indian Overseas Bank Bilimora (IOB)
Bilimora · Navsari, Gujarat
396020091 is the MICR code for the Bilimora branch of Indian Overseas Bank, located in Navsari, 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 IOBA0002226.
Bank
Indian Overseas Bank
Branch & Address
Bilimora
Gouharbaugh Road, Near J. P. Jewelers, Bilimora, Dist Navsari PIN 396 321
Navsari, Bilimora, Gujarat
Contact
+914428584896MICR Code Structure
396
City
020
Bank
091
Branch
City code 396 identifies the RBI clearing centre, bank code 020 identifies Indian Overseas Bank, and branch code 091 identifies this specific branch.
Online Payment Methods Supported
Other Indian Overseas Bank (IOB) branches near Navsari
Other banks in Navsari, Gujarat
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 (IOBA0002226) 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 396020091 is in the middle, and your account number is on the right.