Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 193051416 belongs to Jammu and Kashmir Bank, Garoora Bandipora branch in Bandipora, Jammu and Kashmir. The matching IFSC code is JAKA0GAROOR.
How to read MICR 193051416
193: the city code. It usually follows the first digits of the area's PIN code; here it is Bandipora.
051: the bank code, the same for every branch of Jammu and Kashmir Bank in cheque clearing.
416: 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 (JAKA0GAROOR 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 193051416 belong to?
Jammu and Kashmir Bank, Garoora Bandipora branch (Bandipora, Jammu and Kashmir).
What is the IFSC code for MICR 193051416?
JAKA0GAROOR.
What do the digits of 193051416 mean?
193 is the city code, 051 the bank code and 416 the branch code.
