Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 192051044 belongs to Jammu and Kashmir Bank, Manzgam branch in Kulgam, Jammu and Kashmir. The matching IFSC code is JAKA0MNZGAM.
How to read MICR 192051044
192: the city code. It usually follows the first digits of the area's PIN code; here it is Kulgam.
051: the bank code, the same for every branch of Jammu and Kashmir Bank in cheque clearing.
044: 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 (JAKA0MNZGAM 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 192051044 belong to?
Jammu and Kashmir Bank, Manzgam branch (Kulgam, Jammu and Kashmir).
What is the IFSC code for MICR 192051044?
JAKA0MNZGAM.
What do the digits of 192051044 mean?
192 is the city code, 051 the bank code and 044 the branch code.
