Jammu and Kashmir Bank Killam
Killam · Kulgam, Jammu and Kashmir
192051312 is the MICR code for the Killam branch of Jammu and Kashmir Bank, located in Kulgam, Jammu and Kashmir. MICR codes are printed on cheque leaves and used by the RBI's Cheque Truncation System (CTS) for cheque clearing. For online transfers, use the IFSC code JAKA0KEELAM.
Bank
Jammu and Kashmir Bank
Branch & Address
Killam
Jk Bank, Killam, Near Masjid Sharief, District Kulgam, Pin- 192231
Kulgam, Kulgam, Jammu and Kashmir
Contact
+911934334243MICR Code Structure
192
City
051
Bank
312
Branch
City code 192 identifies the RBI clearing centre, bank code 051 identifies Jammu and Kashmir Bank, and branch code 312 identifies this specific branch.
Online Payment Methods Supported
Other Jammu and Kashmir Bank branches near Kulgam
Other banks in Kulgam, Jammu and Kashmir
About MICR Codes
What is a MICR code used for?
MICR (Magnetic Ink Character Recognition) codes are printed on cheque leaves using special magnetic ink. They are read by cheque processing machines and used by the RBI's Cheque Truncation System (CTS) to process and clear cheque payments between banks. Each MICR code uniquely identifies a bank branch for cheque clearing purposes.
MICR vs IFSC — when do I use which?
Use MICR when paying by cheque — it's already printed on your cheque leaf and used automatically during clearing. Use IFSC (JAKA0KEELAM) when making online transfers via NEFT, RTGS, IMPS, or UPI — banks ask for IFSC when you add a beneficiary for online payments.
Where is the MICR code on a cheque?
The MICR code is printed at the bottom of every cheque leaf in a distinctive machine-readable font, using magnetic ink. It appears in the centre of the three numbers at the bottom — the cheque number is on the left, the MICR code 192051312 is in the middle, and your account number is on the right.