Punjab National Bank MICR Codes in Jammu And Kashmir — All Cities

Punjab National Bank MICR Codes in Jammu And Kashmir — Complete City Directory

Punjab National Bank operates 156 branches across 72 cities in Jammu And Kashmir, all registered on the Reserve Bank of India's Cheque Truncation System (CTS) grid. Every branch has a unique 9-digit MICR code — a mandatory identifier for cheque clearing, ECS mandates, SIP registrations, and NACH auto-debits. BankZop's Punjab National Bank Jammu And Kashmir MICR directory is sourced directly from official RBI CTS data and updated regularly, making it the most reliable source for accurate branch MICR codes in Jammu And Kashmir.

Whether you are setting up a mutual fund SIP, registering an ECS mandate for insurance, or submitting a NACH form for loan EMI collection, you need the exact MICR code of the Punjab National Bank branch in Jammu And Kashmir where your account is held. Use the city list above to navigate directly to your branch.

How to Find Your Punjab National Bank MICR Code in Jammu And Kashmir

Finding the right MICR code takes under 30 seconds on BankZop. Here is the exact process:

• Step 1 — Select City: You are already on the Jammu And Kashmir page. Choose your city from the list above. Type in the search box to filter instantly if the list is long.
• Step 2 — Select Branch: The city page lists all Punjab National Bank branches in that city. Click your specific branch — the one where your savings or current account is held.
• Step 3 — Copy MICR Code: The branch result page shows the full 9-digit MICR code with a one-click Copy button. It also shows the IFSC code, BSR code, address, and phone number for the same branch.

If you already have your Punjab National Bank cheque book, the MICR code is printed at the bottom of every cheque leaf in magnetic ink — the 9-digit number between the cheque serial number and your account number. You can verify it matches our database by searching BankZop for your branch.

Why Each Punjab National Bank Branch in Jammu And Kashmir Has a Different MICR Code

Every Punjab National Bank branch in Jammu And Kashmir has a unique 9-digit MICR code structured as follows:

• Digits 1–3 (City Code): Identifies the CTS clearing zone within Jammu And Kashmir. Each major city in Jammu And Kashmir has a distinct 3-digit city code assigned by the RBI. All Punjab National Bank branches in the same city share this prefix.
• Digits 4–6 (Bank Code): Identifies Punjab National Bank within that city's clearing zone. This is the same for all Punjab National Bank branches in the same city.
• Digits 7–9 (Branch Code): This is what makes each MICR code unique. The final 3 digits identify the specific Punjab National Bank branch. No two branches in Jammu And Kashmir share the same complete 9-digit code.

This hierarchical structure enables the RBI's CTS clearing system to automatically route any Punjab National Bank cheque in Jammu And Kashmir to the correct clearing house, bank, and branch — without any manual intervention.

When You Need the Punjab National Bank Jammu And Kashmir MICR Code

SIP and Mutual Fund Registrations

If you hold a Punjab National Bank savings account in Jammu And Kashmir and want to set up a Systematic Investment Plan (SIP), the NACH mandate form will ask for your branch's MICR code. This is how the fund house identifies your Punjab National Bank Jammu And Kashmir branch to debit your SIP amount each month through the NPCI's NACH platform. Entering the wrong MICR code will result in a rejected mandate and delayed SIP setup.

ECS Mandates for Utilities and Insurance

ECS (Electronic Clearing Service) auto-debits for electricity bills, broadband payments, gas connections, and insurance premium renewals all require your Punjab National Bank branch MICR code in Jammu And Kashmir. The ECS mandate form specifically asks for a 9-digit MICR code — not the IFSC code. The clearing system uses this to identify your branch and process the auto-debit on the due date.

Loan EMI Collection Mandates

Banks and NBFCs operating in Jammu And Kashmir collect loan EMIs via NACH mandates. When you sign a NACH form for a home loan, personal loan, car loan, or two-wheeler loan, the lender's bank uses your Punjab National Bank branch MICR code to set up the recurring debit. An incorrect MICR code causes the mandate to fail, resulting in a missed EMI and possible late payment penalties.

Post-Dated Cheques and Cheque Clearing

All cheques issued by Punjab National Bank branches in Jammu And Kashmir carry the branch's MICR code at the bottom. When these cheques are deposited by the payee, the CTS system in Jammu And Kashmir reads the MICR code to route the clearing request electronically. The entire process — from deposit to settlement — happens within one business day, thanks to the MICR-based CTS infrastructure.

Cities in Jammu And Kashmir with Punjab National Bank Branches

Punjab National Bank has a presence in 72 cities across Jammu And Kashmir with MICR-enabled branches:

Branch counts reflect MICR-enabled branches on the RBI CTS grid as of Jun 2026. Data sourced from RBI CTS records.

To browse Punjab National Bank branches in other states, visit the Punjab National Bank MICR directory. For all bank MICR codes, use the MICR Code Lookup homepage. For loan planning, try the free EMI Calculator.