Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 194051023 belongs to Jammu and Kashmir Bank, Mulbek branch in Kargil, Jammu and Kashmir. The matching IFSC code is JAKA0MULBIK.
How to read MICR 194051023
194: the city code. It usually follows the first digits of the area's PIN code; here it is Kargil.
051: the bank code, the same for every branch of Jammu and Kashmir Bank in cheque clearing.
023: 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 (JAKA0MULBIK 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 194051023 belong to?
Jammu and Kashmir Bank, Mulbek branch (Kargil, Jammu and Kashmir).
What is the IFSC code for MICR 194051023?
JAKA0MULBIK.
What do the digits of 194051023 mean?
194 is the city code, 051 the bank code and 023 the branch code.
