India is a country with a banking system serving a vast population. In general, Indian Banks are classified into two groups, namely scheduled bank and non-scheduled banks. The scheduled group includes a commercial bank, small finance bank, payment bank, co-operative bank.
Whereas non-scheduled bank is those bank which has less than 5 lakh Indian rupees as reserve capital. Non-scheduled banks are not eligible to borrow from the Reserve bank of India (RBI) for normal banking purposes unless it’s an emergency.
Every customer of a bank is assigned a unique account number, and that account number will be used in every banking operation related to that person. An account number is a special series of digits and, often, letters and other characters that describe the account owner and give access to that account. You can find your account number at the bottom of your paper check.
An account number may vary from 9 digits to 18 digits, and it depends on the bank how many numbers should be included in an account number. An account number contains a pure numeric pattern, but some foreign banks use the alpha-numeric combination in the account number.
Two users cannot have the same account number in the same bank. As the cases of banking fraud are increasing day by day, banks are working on making every account number different from users of other banks also.
The reports of Reserve Bank of India(RBI) states that there are only 20 banks in India which has a serial running number and rest of the banks has some indicated characteristic included in it.
The added characteristics in the bank that are embedded are account type, account status, product code, bank code, branch code, check digits, year of opening, etc. 40 out of 78 banks do not have a check digit as part of the form of their account number. Many banks (67 out of 78) have implemented branch code as part of the specification of the account number.
Many banks use company code as a part of the specification of the account number. It varies from bank to bank on how the implementation procedure is planned by the bank and depending on that total number of characters varies in the account number.
Here is Indian Banks list that shows the variation in the number of the digits in the account number:
|SERIAL NUMBER||NAME OF BANK||ACCOUNT NUMBER DIGITS|
|2||ANDHRA PRADESH GRAMEENA VIKAS BANK||11|
|4||ASSAM GRAMIN VIKASH BANK||13|
|6||AU SMALL FINANCE BANK||16|
|9||BANK OF BARODA||14|
|10||BANK OF INDIA||15|
|11||BANK OF MAHARASHTRA||11|
|12||BARODA RAJASTHAN KSHETRIYA GRAMIN BANK||14|
|13||BARODA UP GRAMIN BANK||11|
|14||BANGIYA GRAMIN VIKASH BANK||11|
|15||CENTRAL BANK OF INDIA||10|
|17||CATHOLIC SYRIAN BANK||18|
|19||CITY UNION BANK||15|
|24||EQUITAS SMALL FINANCE BANK||12|
|26||HDFC BANK||13 or 14|
|29||IDFC FIRST BANK||11|
|31||INDIAN OVERSEAS BANK||15|
|33||IDBI BANK||13 or 14 or 15 or 16|
|34||JAMMU AND KASHMIR BANK||16|
|36||KARUR VYSYA BANK||16|
|37||KARNATAKA VIKAS GRAMEENA BANK||16|
|38||KERALA GRAMIN BANK||14|
|39||KOTAK MAHINDRA BANK||14|
|40||LAKSHMI VILAS BANK||16|
|42||MADHYANCHAL GRAMIN BANK||10|
|43||ORIENTAL BANK OF COMMERCE||14|
|44||ODISHA GRAMYA BANK||11|
|45||PUNJAB NATIONAL BANK||16|
|46||PUNJAB & SIND BANK||14|
|47||Prathama UP Gramin Bank||14|
|49||RAJASTHAN MARUDHARA GRAMIN BANK||12|
|50||STANDARD CHARTERED BANK||11|
|51||STATE BANK OF BIKANER AND JAIPUR||11|
|52||SAPTAGIRI GRAMIN BANK||11|
|53||SARVA HARYANA GRAMIN BANK||14|
|54||STATE BANK OF INDIA||11|
|55||STATE BANK OF HYDERABAD||11|
|56||STATE BANK OF TRAVANCORE||11|
|57||SOUTH INDIAN BANK||16|
|59||TAMILNADU MERCANTILE BANK||6 to 15|
|60||UNION BANK OF INDIA||15|
|61||UNITED BANK OF INDIA||13|
|63||UTTAR BIHAR GRAMIN BANK||16|
|64||UTKAL GRAMEEN BANK||12|
|65||VIJAYA BANK(Now BoB)||15|
Every bank follows a certain kind of pattern to assign the account number among their trusted customers. I hope our article was helpful enough for you to get at least some idea regarding the Account number digits of a different bank of India and its application.