Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 185051013 belongs to Jammu and Kashmir Bank, Baba Ghulam Shah University Rajouri branch in Rajouri, Jammu and Kashmir. The matching IFSC code is JAKA0GSBUNI.
How to read MICR 185051013
185: the city code. It usually follows the first digits of the area's PIN code; here it is Rajouri.
051: the bank code, the same for every branch of Jammu and Kashmir Bank in cheque clearing.
013: 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 (JAKA0GSBUNI 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 185051013 belong to?
Jammu and Kashmir Bank, Baba Ghulam Shah University Rajouri branch (Rajouri, Jammu and Kashmir).
What is the IFSC code for MICR 185051013?
JAKA0GSBUNI.
What do the digits of 185051013 mean?
185 is the city code, 051 the bank code and 013 the branch code.
