Quick summary✔ RBI data Last synced · release v2.0.62
MICR code 192234302 belongs to Indusind Bank, Kulgam branch in Kulgam, Jammu and Kashmir. The matching IFSC code is INDB0001947.
How to read MICR 192234302
192: the city code. It usually follows the first digits of the area's PIN code; here it is Kulgam.
234: the bank code, the same for every branch of Indusind Bank in cheque clearing.
302: 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 (INDB0001947 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 192234302 belong to?
Indusind Bank, Kulgam branch (Kulgam, Jammu and Kashmir).
What is the IFSC code for MICR 192234302?
INDB0001947.
What do the digits of 192234302 mean?
192 is the city code, 234 the bank code and 302 the branch code.
