Indian Overseas Bank Chennai Chennai Tamil Nadu MICR CODE

Find MICR Codes for Indian Overseas Bank Chennai Chennai Tamil Nadu

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MICR Code	600020003
Bank	Indian Overseas Bank
Business Hours	Monday to Saturday 10 am to 4 pm
Mode Of Payment	Cash,Cheque,Demand Draft and Net banking
Branch	Esplanade
Contact	J Senthil Kumar, Manager, Indian Overseas Bank, Cppd, Co
Bank Details	Indian Overseas Bank Esplanade IOBA0000048

Location	Chennai, Chennai
City	Chennai
District	Chennai
State	Tamil Nadu
Pincode	600108
Country	IN
Address	7 `chennai house' esplanade chennai pin : 600108

Note: The working hours listed are generalized for all banks. Please take a note that the bank timings may vary from branch to branch. As per guidelines issued by Reserve Bank of India, banks will not be operational on 2nd and 4th Saturdays and all Sundays of a month.

How does MICR code 600020003 for Esplanade branch help to speed up the cheque clearing process?

In manual clearing of cheques, many errors may occur and the whole process is quite time consuming. The MICR technology speeds up the processing of cheque as it reduces manual efforts of sorting. Thus the 600020003 of IOB Bank, Esplanade branch makes the system almost error free and faster. Use of IOB Bank MICR codes for Esplanade branch, makes the characters readable even if there are other marks and stamps on it.

A total of 184 branches of Indian Overseas Bank are available with micr code -

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MICR code for Indian Overseas Bank Esplanade

Indian Overseas Bank MICR (Magnetic Ink Character Recognition) code is a machine readable code used for processing and clearance of cheques. IOB Bank MICR code for Esplanade is a 9 digit code, in which first 3 digit represents the city code, next 3 digit to bank code and later 3 digit to branch code. 600020003 is the MICR code of Overseas Bank for Esplanade branch. MICR code for Esplanade branch includes document type indicator, bank code, cheque number, etc. When a cheque goes for clearing, this code is read by a magnetic reader and then automatically sorted. MICR code for IOB Bank Esplanade is presented in the table alongside.

Use of IOB Bank MICR code for Esplanade branch in chennai

The MICR code 600020003 is used in RBI cheque clearing process to identify the branch Esplanade and IOB Bank bank for clearing processes. The MICR characters, which are printed using magnetic ink, are passed before a MICR reader. Initially the ink gets magnetized and when it is read, each character produces a unique waveform which can be easily identified. MICR code of Overseas Bank is typically in either of these two font’s: E-138 and CMC-7.

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