Dimension scores are derived from public data and fields; weighted into the composite. Reference only.
micr.in is an IFSC and MICR code lookup website for the Indian banking system, positioned as a fast and accurate resource for bank branch codes. IFSC codes are mainly used for Indian electronic transfer scenarios such as NEFT, RTGS, and IMPS, while MICR codes are primarily used for cheque processing. It is not a payment gateway, e-wallet, or acquiring institution; rather, it is a pre-transaction information verification tool.
The site lets users search by bank name, branch, or city, and filter by state or city. The scraped text indicates coverage across a large number of Indian states/regions and banks, including commercial banks, cooperative banks, small finance banks, payments banks, and some Indian branches of foreign banks. The platform emphasizes a comprehensive, regularly updated database and allows users to report errors to help maintain data accuracy.
On pricing, the FAQ clearly states that the service is free, allowing users to look up IFSC and MICR codes with no hidden fees or subscription charges. In terms of compliance, the site says its data comes from trusted banking resources, banks, and official lists, but it does not disclose its operating entity, licenses, data authorization agreements, or audit mechanisms. Therefore, before any critical transaction, users should still cross-check via the bank’s official website, cheque book, passbook, or customer support. Risk control does not involve payment transaction monitoring; it is mainly reflected in warnings that incorrect codes may cause transfer failures, funds being routed to the wrong branch, or cheque clearing delays/rejections.
The text does not mention any API, SDK, bulk lookup, Webhook, or enterprise data interface, so it is better suited to manual searches or small-scale verification. If a business needs to embed IFSC/MICR validation into account opening, payment, or reconciliation systems, the currently public information is insufficient to assess its integration capabilities.
Its advantages are that it is free, offers a straightforward search flow, covers a broad range of Indian bank branch information, and provides basic financial knowledge explanations. Its limitations are that its scope is narrow: it does not process payments, does not handle settlement, and lacks licensing and API information. It is suitable for domestic Indian transfer users, finance staff, small businesses that need to verify cheque or beneficiary details, and individuals who occasionally make bank transfers in India.
Access from mainland China is not covered in the text, so its availability is unknown. If the site cannot be accessed or a more authoritative source is needed, users can refer to the receiving bank’s official website, cheque book/passbook, bank customer support, official bank branch code lists, or other IFSC/MICR lookup sites as alternatives and cross-checking channels.
⚠ This review is compiled from public sources and does not constitute a purchase recommendation. Verify all facts on the vendor's official site. Verify on micr.in official site.
micr.in is an India Payments provider. TG4G tracks its product information, an overall rating of 7.0/10, and a China-accessibility score of China direct-connect friendly. Click "Visit Official Site" to reach micr.in directly.