Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 194002012 belongs to State Bank of India, Padum branch in Kargil, Jammu and Kashmir. The matching IFSC code is SBIN0063955.
How to read MICR 194002012
194: the city code. It usually follows the first digits of the area's PIN code; here it is Kargil.
002: the bank code, the same for every branch of State Bank of India in cheque clearing.
012: 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 (SBIN0063955 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 194002012 belong to?
State Bank of India, Padum branch (Kargil, Jammu and Kashmir).
What is the IFSC code for MICR 194002012?
SBIN0063955.
What do the digits of 194002012 mean?
194 is the city code, 002 the bank code and 012 the branch code.
