MICR code
144051712
Jammu and Kashmir Bank, Phagwara
- Bank
- Jammu and Kashmir Bank
- Branch
- Phagwara
- IFSC
- JAKA0PAGWAR
- Address
- OPP. HANUMAN GARHI,
- City
- Kapurthala
- District
- Kapurthala
- State
- Punjab
- City code
- 144
- Bank code
- 051
- Branch code
- 712
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- 144051712
MICR code · Kapurthala
MICR code 144051712
✔ Verified in RBI list
How to read MICR 144051712
- 144: the city code. It usually follows the first digits of the area's PIN code; here it is Kapurthala.
- 051: the bank code, the same for every branch of Jammu and Kashmir Bank in cheque clearing.
- 712: the branch code within that city and bank.
The MICR is printed in magnetic ink at the bottom of every cheque leaf, between the cheque number and your account ID. Clearing houses read it under the Cheque Truncation System (CTS) to route the cheque to the right branch. It is not needed for NEFT, RTGS, IMPS or UPI, which use the IFSC (JAKA0PAGWAR for this branch).
Before you deposit or write a cheque
- Check that the MICR on the cheque matches the branch printed at the top of the leaf.
- Use a CTS-2010 cheque; older formats are no longer cleared.
- Write in blue or black ink and do not overwrite on the MICR band; changes can make the cheque bounce.
Frequently asked questions
Which bank does MICR 144051712 belong to?
Jammu and Kashmir Bank, Phagwara branch (Kapurthala, Punjab).
What is the IFSC code for MICR 144051712?
JAKA0PAGWAR.
What do the digits of 144051712 mean?
144 is the city code, 051 the bank code and 712 the branch code.