Account Number Structure in Indian Banks & number of digits.

Bank account number identifies a relationship between a customer or an entity and a bank. The Committee observed that there is no uniform format / standard structure followed by banks in allotting account numbers to their customers. Each bank has devised its own structure with varying lengths and structure. Further, the account number may or may not be unique within the bank. A few banks use branch code as part of account number to achieve account number uniqueness and use both the account number and branch code fields to correctly identify the customer.

Ø  Most of the banks have unique account numbers.

Ø  Account number length varies from 9 digits to 18 digits.

Ø  Most of the banks (67 out of 78) have included branch code as part of the account number structure. Some banks have product code as part of the account number structure.

Ø  40 out of 78 banks do not have check digit as part of the account number structure.

Ø  All banks have purely numeric account numbers, except one or two foreign banks.

Ø  Only in the case of 20 banks, account numbers are formed without any pattern with a unique running serial number.

As can be seen above, there are lot of variations among the account numbers allotted by the banks – in terms of length (varying from 9 to 18 digits), contents (alpha / numeric) and structure. There is hence a case for standardization of account numbers across the system. As part of the structure, various characteristics such as account type, account status, product code, bank code, branch code, check digits, year of opening etc., are embedded. A few banks have built branch code and other intelligence in the account number where as some banks have used a running number. Again, some banks have built check digit in their account numbers where as others do not have any check digit as a part of account numbers.

Structure of Account Numbers across Indian banks:
No	Bank	Total	Branch	Product/type of account	Ext	Ac No
		Length degits			Count
1	State Bank of India	11	5n	0	0	11n
2	ICICI Bank Ltd.	12	4(n)	2(n)	0	6(n)
3	Axis Bank (NEW A/c Number)	15	1(n)	2(n)	2(n)	9(n)
4	Kotak Mahindra Bank	10	0	0	0	10(n)
5	Bank of India	15	4(n)	4(n)	0	7(n)
6	HSBC	12	3(n)	3(n)	0	5(n)
7	IOB	15	4n	2n	0	9n
8	ING Vyasya Bank	12	4(n)	2(n)	0	1000-10-123456
9	Catholic Syrian Bank	18	4(n)	6(n)	0	8(n)
10	Nagpur Nagrik Sahakari Bank Limited	15	3(n)	4(n)	0	8(n)
11	Dena Bank	16	4n	2n	0	12(n)
12	Andhra Bank	15	4 (n)	2 (n)	0	8 (n)
13	Almora Urban Co-operative Bank Ltd	15	3(n)	4(n)	0	8(n)
14	The Bharat Co-operative Bank (Mumbai) Ltd	15	3(n)	4(n)	0(n)	8(n)
15	United Bank of India	13	4(n)	2(n)	0	6(n)
16	Bank of Maharashtra	11	0	0	0	10(n)
17	The Federal Bank Ltd.	14	4(n)	2(n)	0	7(n)
18	The Cosmos Co-Op Bank Ltd	16	3(n)	5(n) to 6(n)	NIL (covered under br code)	2(n) to 8(n)
19	South Indian Bank	16	4(n)	3(n)	0	9(n)
20	Bank of Baroda	14	4(N)	2(n)	0	8(N)_
21	ANZ Bank	14	0	5(n)	0	14(x)
22	Corporation Bank	15	4(n)	3(n)	2(n)	6(n)
23	Indian Bank	17	0	0	0	16(n)
24	Jalgaon Janata Sahakari Bank Ltd. Jalgaon	11	2(n)	3(n)	0	6(n)
25	Punjab National Bank	16	4(n)	2(x)	2(n)	7(n)
26	Credit Agricole Corporate And Investment Bank	14	2(n)	3(n)	0	6(n)
27	Capital Local Area Bank Ltd.	12	3(n)	3(n)	0	6(n)
28	UCO Bank	14	4(n)	2(n)	0	8(n)
29	Rajkot Nagarik Sahakari Bank Ltd.	14	2(n)	4(n)	0	8(n)
30	NKGSB Co-op Bank Ltd.	15	3(n)	2(n)	2(n)	8(n)
31	Lakshmi Vilas Bank	16	4(n)	3(n)	No	8(n)
32	Tamilnad Mercantile Bank Ltd	15	3(n)	5(n)	1(n)	6(n)
33	The Shamrao Vithal Co-operative Bank Ltd	15	3(n)	4(n)	0	7(n)
34	The Ahmedabad Mercantile Bank Ltd.	15	3(n)	3(n)	3(x)	0
35	Union Bank of India	15	5(n)	3(n)	0	7(n)
36	Karur Vysya Bank	16	4	3	NA	9
37	Allahabad Bank	11	0	0	0	10(n)
38
39	Yes Bank	15	4(n)	3(n)	0	7(n)
40	Credit Suisse AG	13	NA	NA	NA	7
41	The Karad Urban Co-Op Bank Ltd. Karad	13	4(n)	3(n)	0	6(n)
42	Dhanlaxmi Bank Ltd	15	4(n)	3(n)	0	07(n)
43	Mehsana Urban Co-op Bank Ltd.	14	4(n)	4(n)	0	6(n)
44	Apna Sahakari Bank Ltd	12	2	0	0	10(n)
45	Karur Vysya Bank	16	4	3	NA	9
46	Karnataka Bank	16	3(n)	5(n)	0	6(n)
47	Mizuho Corporate bank, Ltd.	12	3(n)	3(x)	0	6(n)
48	Punjab & Sind Bank	14	4	2		8
49	Kallappanna Awade Ichalkaranji Janata Sah Bank Ltd	16	0	8(x)	0	8(n)
50	The Saraswat Co-operative Bank Ltd.	15	3(n)	4(n)	0	8(n)
51	Societe Generale	15	0	2(n)	0	6(n)
52	Development Credit Bank	16	3(n)	3(n)	3(n)	14(n)
53	Bank of America N.A.,	12	4	0	0	8
54	Dombivli Nagari Sahakari Bank Ltd.	15	3(n)	4(n)	0	8(n)
55	The West Bengal State Co operative Bank	16	5	8	NA	17
56	Malda DCCB	16	5	8	NA	17
57	Tamluk Ghatal CCB	16	5	8	NA	17
58	Darjeeling DCCB	16	5	8	NA	17
59	Jalpaiguri DCCB	16	5	8	NA	17
60	Raiganj DCCB	16	5	8	NA	17
61	Dakhin Dinajpur DCCB	16	5	8	NA	17
62	Murshidabad DCCB	16	5	8	NA	17
63	Nadia DCCB	16	5	8	NA	17
64	Howrah DCCB	16	5	8	NA	17
65	Mugberia CCB	16	5	8	NA	17
66	Vidyasagar CCB	16	5	8	NA	17
67	Bankura DCCB	16	5	8	NA	17
68	Purulia DCCB	16	5	8	NA	17
69	Barclays Bank PLC	12	0	0	0	12(n)
70	The Tamilnadu State Apex Co-op Bank	9	0	0	0	8(n)
71	TJ Sahakari Bank Ltd.	15	3(n)	4(n)	0(n)	8(n)
72	UBS AG	10	0	0	0	10(n)
73	Canara Bank	13	4(x)	3(n)	0	6(n)
74	Pragathi Gramin Bank	14	2(n)	3(n)	2(n)	6(n)
75	Shreyas Gramin Bank	14	2(n)	3(n)	2(n)	6(n)
76	South Malabar Gramin Bank	14	2(n)	3(n)	2(n)	6(n)
77	Central Bank of India	10	0	0	0	09(n)
78	The Bank of Tokyo-Mitsubishi UFJ Ltd.	17	4(n)	0	0	13(n)
	**40 out of 78 banks do not have check digit as part of the account number