Mizoram Rural Bank IFSC Code and MICR Code

Find Mizoram Rural Bank IFSC Code, MICR Code and branch details for NEFT, RTGS & IMPS transactions.

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Mizoram Rural Bank IFSC Code, MICR Code and SWIFT Code

The Indian banking system uses distinct codes to identify the individual branches of each bank. IFSC codes have been assigned to every bank branch by the Reserve Bank of India (RBI). These codes help streamline wire transfers. You can use the Mizoram Rural Bank IFSC Code for online money transfers to the account. 

The IFSC code makes it easier for the banking system to complete wire transfers in less time. Similarly, the MICR code helps speed up the electronic cheque clearing process by verifying the authenticity of the cheque. 

Let’s find out the IFSC and MICR codes of Mizoram Rural Bank and know how to make online money transfers through NEFT, RTGS, and IMPS. Let us read more about MRB, its branches, and online banking services. 

Mizoram Rural Bank IFSC Code


IFSC is short for Indian Financial System Code. It is an 11-character alphanumeric code allotted by RBI to all banks and their branches in the country. The IFSC code is divided into three parts - bank code, zero, and branch code. 

For example, the Mizoram Rural Bank Head Office branch, Aizawl, IFSC Code is SBIN0RRMIGB. Here:

  • The bank code is SBIN (first four letters of the IFSC code) 
  • It is followed by zero (0) (zero is always the fifth digit of the IFSC code) 
  • The branch code is RRMIGB (for the branch located in Zarkawt, Aizawl)

The remaining six characters can be alphabets or numbers, depending on the type of the bank. Regional Rural Banks (RRBs) have alphabets to denote the bank branch, as seen above. The bank code (the first four letters) belongs to the main bank that sponsors this RRB (the State Bank of India in this case). 

What can you do with this IFSC code? You need to use it when sending money online to a person with an account in this branch. You need to give it to the sender to deposit money into your account. This allows wire transfers so that you can send/ receive the money in a few hours at the most, that too without visiting the bank. 

Using incorrect IFSC code could lead to two situations. One, the transaction will fail after multiple attempts, and the amount will be credited back to your account in a couple of business days. 

Two, the transaction might still be successful based on the account number provided. The second instance is when both accounts are in the same bank. 

Mizoram Rural Bank MICR Code

The MICR code is printed on cheques using the Magnetic Ink Character Recognition technology. It is another identification code, similar to the Mizoram Rural Bank IFSC Code provided by the RBI, to speed up the electronic clearing system (ECS) and complete cheque transactions in less time. 

While the IFSC code is used for online money transfers such as NEFT, RTGS, and IMPS, the MICR code is limited to processing cheques. However, not all branches have a MICR code (usually RRBs). Such banks manually process cheques instead of using the ECS. 

The MRB branch in Zarkawt, Aizawl, doesn’t have a MICR code. It is a non-MICR branch. However, a few other branches of the same bank have MICR codes. For example, there are multiple MRB branches in the Aizawl district (with and without MICR codes). 

Technically speaking, the MICR code is a 9-digit unique identification number that verifies the authenticity of the cheque used to send or deposit money into the account. It is there at the bottom of the cheque, beside the cheque number. You can also find it on the first page of the chequebook. 

The MICR code has three parts with three digits each. The first part denotes the city code. The second part denotes the bank code, and the third part denotes the branch code. Cheques that don’t have the MICR code take more time for processing. 

How to Find the IFSC Code & MICR Code of Mizoram Rural Bank?


So, how do you find the IFSC and MICR codes of a bank? We know how important these codes are, but how do we find the IFSC code to facilitate online money transfers? We’ve got simple methods to find the information you want, be it online or offline. Let’s look at them in detail. 

Online Search Tools

You can easily find the Mizoram Rural Bank IFSC Code by searching online. Find My Bank is a free and user-friendly website where you can get the name, address, MICR code, IFSC code, and other relevant information about a bank. 

Start by opening the URL https://findyourbank.in/

On the homepage, there is a simple drop-down form to fill. Note that the page will automatically refresh after each entry. 

  • Select the bank whose IFSC code and details you want to know. Here, it is the Mizoram Rural Bank. 
  • Then select the state where the bank is located (Mizoram). 
  • Now choose the district from the drop-down list (Aizawl).
  • Then select the city/branch whose IFSC code you want to know (Aizawl).

The page will share your search result and provide you with the IFSC and MICR codes, bank’s address, etc. You can copy the code and use it for online money transfers. Another easy way to access the IFSC code online is by downloading the Find My Bank app on your mobile phone. Get it for free from Play Store.

Bank Passbook 

What about offline methods to find the bank codes? Check the passbook for the information you need. Every bank account holder will have a passbook to record the transactions in the account. The first page of the passbook carries the following information: 

  • Name and address of the bank branch 
  • Name and address of the account holder
  • Account number and type 
  • Customer ID/ User ID 
  • IFSC code of the branch 
  • MICR code of the branch 


The chequebook is another place to find the codes offline. The first page of the chequebook has the IFSC and MICR codes of the bank. Each cheque has the MICR code at the bottom and the IFSC code at the top. This is applicable only for MICR branches. 

Bank’s Online Platforms 

The bank’s website and mobile app also provide information about the bank and its branches. You can find the IFSC and MICR codes of the branches by checking the bank’s official website and mobile banking application. 

Customer Care

If you don’t have the time to search for the IFSC and MICR codes, call the bank’s customer care and ask for the information. You don’t need to be an account holder to know the IFSC code of a bank branch.

How to Transfer Money through NEFT, RTGS & IMPS?


The internet banking facility has saved us from a lot of time and effort spent going to the branch, waiting in the queues, filling the forms, and waiting again from the bank staff to process the transaction. 

Online money transfer methods like NEFT, RTGS, IMPS, and IMT have streamlined financial transactions for everyone. You can choose the wire transferring method depending on your requirements and convenience. 

NEFT (National Electronic Fund Transfer)

National Electronic Fund Transfer is the most convenient online money transferring method in the country. NEFT runs on the DNS (Deferred Net Settlement) system, where transactions occur in batches at regular intervals. 

The beneficiary’s account will get the amount in a couple of hours (or less). NEFT is open 24*7*365, and you can use it whenever you want. You need the Mizoram Rural Bank IFSC Code to send money to an account in MRB through NEFT. 

Here’s the information you should provide to start an NEFT transaction: 

  • Beneficiary name (optional) 
  • Beneficiary account number 
  • Beneficiary bank name 
  • Beneficiary bank branch’s IFSC code
  • Amount to be sent 
  • Your account number to debit the amount 

You can transfer money in any amount through NEFT. However, the service charges are applicable based on the amount sent per transaction. The charges are as follows: 

  • Rs. 2.5+ tax for an amount up to Rs. 10,000
  • Rs. 5+ tax for an amount between Rs. 10,000 and Rs. 1 lakh 
  • Rs. 15+ tax for an amount between Rs. 1 lakh and Rs. 2 lakh 
  • Rs. 25+ tax for the amount over Rs. 2 lakh 

RTGS (Real-Time Gross Settlement)

Real-Time Gross Settlement sends large amounts of money to any account within the country in real-time. The transactions are irreversible, and the beneficiary’s account instantly receives the money. There is no maximum limit for RTGS payments, though the minimum amount you can send is Rs. 2 lakh. 

RTGS transfers have a higher service charge. The charges are: 

  • Rs. 25+ tax for the amount between Rs. 2 lakh and Rs. 5 lakh 
  • Rs. 50+ tax for the amount over Rs. 5 lakh

RTGS transactions are secure, fast, and efficient. You can use them for emergencies and transfer huge amounts online without worrying about security. The details required for RTGS transactions are listed below: 

  • Amount to be sent 
  • Your account number to debit the amount 
  • Beneficiary account number 
  • Beneficiary bank name 
  • Beneficiary name (optional) 
  • Beneficiary bank branch’s IFSC code

IMPS (Immediate Payment Service)

Immediate Payment Service or IMPS is another instant money transferring service provided by the Indian banking system. IMPS services work 24*7 and have a minimum limit of Re. 1 and a maximum limit of Rs. 2 lakh. 

The service charges for IMPS transactions are determined by individual banks and vary from one bank to another. That said, banks cannot charge more than Rs. 25+ tax as IMPS service charges. It is possible to make IMPS transactions using multiple methods, such as your internet banking account, mobile banking app, ATM centers, and SMS. 

IMPS requires either the IFSC code of the branch of the MMID (Mobile Money Identifier) number provided by the bank to the account holder. MMICD is used to send money from person to person through IMPS. If you want to send money from person to account, you need the IFSC code. The other details are the same as NEFT. 

About Mizoram Rural Bank


Mizoram Rural Bank was established in September 1983 under the Regional Rural Bank Act 1976. The bank covers the entire state of Mizoram (the eight districts), including the urban and semi-urban centers.  

It is the second-largest bank in Mizoram and next to SBI (State Bank of India), which also happens to be the sponsor bank of MRB. The central government jointly owns the RRBs with 50% share capital, the state government with 15% share capital, and a sponsor bank with 35% share capital. 

According to the official website, the Mizoram Rural Bank has a 28.38% market share in advances and 26.30% market share in deposits. The bank’s head office is at MINECO, Khatla, Aizawl, Mizoram. 


1) How many Rural Banks are there in Mizoram?

There are ninety-four rural bank branches in Mizoram. All branches belong to the Mizoram Rural Bank. 

2) Is Mizoram Rural Bank under SBI?

State Bank of India (SBI) sponsors the Mizoram Rural Bank under the RRB Act 1976. The bank is owned by the Ministry of Finance, Government of India. 

3) How can I activate Mizoram Rural Bank mobile banking?

Download the mobile app for MRB from the bank’s official website. The user does not need to visit the bank branch to register for M Banking. You can do this through the app by clicking on ‘New Registration’ and providing the requested information. A 4-digit MPIN or TPIN is necessary to activate and use the MRB mobile banking app. 

4) How can I check my Mizoram Rural Bank account balance?

You can check your MRB account balance in different ways: 

  • Log in to your internet banking account 
  • Open the mobile banking app

Give a missed call to 9289902970 from the registered mobile number.