Kottayam District Co Op Bank Ltd branches in Karukachal: Get the list of Kottayam District Co Op Bank Ltd MICR codes in Karukachal which are made available by Branch. Karukachal MICR code is a character-recognition technology used mainly by the banking industry to ease the processing and clearance of cheques and other documents. Karukachal MICR code has 9 digits first three digits are Karukachal City Code, second three digits are Karukachal bank code and last three are Karukachal branch code.