Jammu and Kashmir Bank Panamik
Panamik · Leh, Jammu and Kashmir
194051034 is the MICR code for the Panamik branch of Jammu and Kashmir Bank, located in Leh, 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 JAKA0PANMIK.
Bank
Jammu and Kashmir Bank
Branch & Address
Panamik
Panamik, Block Panamik Nubra, Leh J and K PIN 194401
Leh, Leh, Jammu and Kashmir
Contact
+91198247077MICR Code Structure
194
City
051
Bank
034
Branch
City code 194 identifies the RBI clearing centre, bank code 051 identifies Jammu and Kashmir Bank, and branch code 034 identifies this specific branch.
Online Payment Methods Supported
Other Jammu and Kashmir Bank branches near Leh
Other banks in Leh, 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 (JAKA0PANMIK) 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 194051034 is in the middle, and your account number is on the right.