JK Bank MICR (Magnetic Ink Character Recognition) code is a machine readable code used for processing and clearance of cheques. Jammu Bank MICR code for Swankha Morh is a 9 digit code, in which first 3 digit represents the city code, next 3 digit to bank code and later 3 digit to branch code. 0 is the MICR code of Jammu And Bashmir Bank for Swankha Morh branch. MICR code for Swankha Morh branch includes document type indicator, bank code, cheque number, etc. When a cheque goes for clearing, this code is read by a magnetic reader and then automatically sorted. MICR code for Jammu Bank Swankha Morh is presented in the table alongside.
The MICR code 0 is used in RBI cheque clearing process to identify the branch Swankha Morh and Jammu Bank bank for clearing processes. The MICR characters, which are printed using magnetic ink, are passed before a MICR reader. Initially the ink gets magnetized and when it is read, each character produces a unique waveform which can be easily identified. MICR code of Jammu And Bashmir Bank is typically in either of these two font’s: E-138 and CMC-7.