IDBI The Naval Dockyard Co Operative Bank LTD Karanja
The Naval Dockyard Co Operative Bank LTD Karanja · Raigad, Maharashtra
400082381 is the MICR code for the The Naval Dockyard Co Operative Bank LTD Karanja branch of IDBI, located in Raigad, Maharashtra. 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 IBKL0452ND4.
Bank
IDBI
Branch & Address
The Naval Dockyard Co Operative Bank LTD Karanja
Naval Armament Depot Karanja, Uran Dist Raigad
Raigad, Uran, Maharashtra
Contact
+912227220058MICR Code Structure
400
City
082
Bank
381
Branch
City code 400 identifies the RBI clearing centre, bank code 082 identifies IDBI, and branch code 381 identifies this specific branch.
Online Payment Methods Supported
Other IDBI branches near Raigad
Other banks in Raigad, Maharashtra
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 (IBKL0452ND4) 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 400082381 is in the middle, and your account number is on the right.