HUMOTJ22
CJSC MICROCREDIT DEPOSIT ORGANIZATION, 'HUMO' is identified on the SWIFT network by the BIC code HUMOTJ22, registered in TAJIKISTAN. International wire transfers routed through this institution can be tracked free of charge by pasting your UETR or payment reference on the Ohmyfin homepage.
| Institution | Country | Location |
|---|---|---|
| HUMO | TJ — TAJIKISTAN | 22 (test/non-live BIC) |
| SWIFT/BIC | HUMOTJ22 (head office, 8-char) |
|---|---|
| Bank | CJSC MICROCREDIT DEPOSIT ORGANIZATION, 'HUMO' |
| Country | TAJIKISTAN (ISO TJ) |
The SWIFT/BIC (Business Identifier Code) is the international standard ISO 9362 for identifying financial institutions in cross-border payments. HUMOTJ22 uniquely identifies CJSC MICROCREDIT DEPOSIT ORGANIZATION, 'HUMO' in TAJIKISTAN on the SWIFT network and is used as the routing identifier in field 57A of an MT103 message (or the equivalent BICFI element in an ISO 20022 pacs.008).
Because HUMOTJ22 is an 8-character BIC, it addresses the head office. Branch-level BICs append three additional characters (for example, HUMOTJ22XXX for the primary office) and are used when a specific branch must be addressed.
Payments routed through CJSC MICROCREDIT DEPOSIT ORGANIZATION, 'HUMO' can be tracked end-to-end via SWIFT GPI when both the sender and receiver are GPI-enabled. Ohmyfin provides free public lookup of any UETR — paste yours on the homepage to see the latest available status, including which correspondent banks the payment has passed through.
ACTJTJ22ALIFTJ22BTEJTJ21CEAATJ21BRTATJ22IBTKTJ22KZKOTJ22ARVDTJ22View all banks in TAJIKISTAN →
HUMOTJ22 is the unique SWIFT/BIC code identifying CJSC MICROCREDIT DEPOSIT ORGANIZATION, 'HUMO' in TAJIKISTAN. The first four characters (HUMO) are the institution code; the next two (TJ) are the ISO 3166-1 country code for TAJIKISTAN; the next two (22) are the location code; no branch code is present, so this BIC addresses the head office.
Use the Ohmyfin SWIFT tracker on the homepage. Paste the UETR (field 121) or the payment reference (field 20) and Ohmyfin returns the latest available SWIFT GPI status, including each correspondent bank the payment passed through on the way to CJSC MICROCREDIT DEPOSIT ORGANIZATION, 'HUMO'.
HUMOTJ22 is 8 characters long — head-office BIC (8-char). An 8-character BIC identifies the bank's head office; an 11-character BIC identifies a specific branch. Both are valid in MT103 field 57A.
Most delays at the beneficiary bank come from sanctions/AML screening on the ordering customer, missing remittance information in field 70, or arrival after the local RTGS cut-off. Use Ohmyfin to see which hop is holding the payment so you can chase the right party.