MICR Code: 631020202

Bank: Indian Overseas Bank
IFSC Code: Ioba0001405
MICR Code: 631020202
Address: No 14H Arakonam Road Tiruttani631 209
City: Thiruvallur
District: Tiruttani
State: Tamil Nadu

MICR is acronym of Magnetic Ink Character Recognition. Basically it is a character-recognition technology used by the banking industry to ease the processing and clearance of cheques and other documents.

Generally MICR code is nine character long. First three charaters represent city, next three charaters represents bank name and last three charaters represents bank branch.

Let's decode MICR code 631020202.

  • In this case first three codes 631 is city code and it represents city Thiruvallur.
  • Next three characters 020 represents bank Indian Overseas Bank.
  • Remaining characters which are 202 represents branch. In our case branch is located at address No 14H Arakonam Road Tiruttani631 209.

The easiest way to find MICR code is to check your

  1. Bank account statement
  2. Cheques

Please examine below sample cheque for more details

I hope this clears doubts.