IDBI Kottayam Co Operative Urban Bank LTD
Kottayam Co Operative Urban Bank LTD · Kottayam, Kerala
686804302 is the MICR code for the Kottayam Co Operative Urban Bank LTD branch of IDBI, located in Kottayam, Kerala. 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 IBKL0027K03.
Bank
IDBI
Branch & Address
Kottayam Co Operative Urban Bank LTD
Kizhakkekuttu Building, Hospital Junction, Poovarani 686577
Kottayam, Poovarani, Kerala
Contact
+914822226315MICR Code Structure
686
City
804
Bank
302
Branch
City code 686 identifies the RBI clearing centre, bank code 804 identifies IDBI, and branch code 302 identifies this specific branch.
Online Payment Methods Supported
Other IDBI branches near Kottayam
Other banks in Kottayam, Kerala
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 (IBKL0027K03) 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 686804302 is in the middle, and your account number is on the right.