Bank of India Kharagdiha (BOI)
Kharagdiha · Kharagdiha Dist Hazaribagh, Jharkhand
815013513 is the MICR code for the Kharagdiha branch of Bank of India, located in Kharagdiha Dist Hazaribagh, Jharkhand. 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 BKID0004845.
Bank
Bank of India
Branch & Address
Kharagdiha
At Post Kharagdihadistrict Giridih
Kharagdiha Dist Hazaribagh, Kharagdiha Dist Hazaribagh, Jharkhand
Contact
+919955512129MICR Code Structure
815
City
013
Bank
513
Branch
City code 815 identifies the RBI clearing centre, bank code 013 identifies Bank of India, and branch code 513 identifies this specific branch.
Online Payment Methods Supported
Other Bank of India (BOI) branches near Kharagdiha Dist Hazaribagh
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 (BKID0004845) 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 815013513 is in the middle, and your account number is on the right.