PIN Code 194302 — Kargil, Jammu and Kashmir

About PIN Code 194302 — Kargil, Jammu and Kashmir

PIN code 194302 is an official postal code assigned by India Post to 4 post offices in Kargil district, Jammu and Kashmir. The primary delivery office under this PIN is Padum S.O (Sub Post Office). Delivery status is marked as Delivery, which means postmen from this office deliver mail and parcels directly to doorsteps in this area. Administratively, this area falls under Zanskar taluk. The sorting and administrative jurisdiction lies with Leh Division.

How to Use PIN Code 194302 in Banking and Transactions

PIN code 194302 is required across a wide range of banking and official processes in Kargil, Jammu and Kashmir. Whether you are opening a bank account, applying for a loan, completing KYC, or filling out an e-commerce delivery form — this 6-digit code is your address's official postal identifier.

• Bank account KYC: Your PIN code is mandatory for address verification when opening savings, current, or NRI accounts at any bank in Kargil.
• NEFT / RTGS / IMPS transfers: While the transaction itself uses an IFSC code, the beneficiary's address — including PIN code — is stored in bank records for compliance.
• Cheque book and MICR: The MICR code printed on your cheque book is linked to the bank branch in your PIN code area. Look it up if you need it for ECS mandates or SIP setups.
• Aadhaar, PAN, Passport: All government identity documents require a valid PIN code for the address field. 194302 is the correct code for addresses served by Padum S.O.
• E-commerce deliveries: Courier companies like Blue Dart, DTDC, Delhivery, and Ekart check PIN code serviceability before accepting orders. If a seller says "delivery not available," it often means they haven't enabled your specific PIN.
• Loan applications: Personal loan, home loan, and credit card applications ask for your PIN code to verify your residential address and assess local credit bureau data.

Banks and Financial Services Near PIN Code 194302

To find the IFSC code of any bank branch serving Kargil, use our IFSC Code Lookup. Simply select your bank, then Jammu and Kashmir as the state, and Kargil as the district to get a list of all branches in your area. For fixed deposits, recurring deposits, and savings calculations, our EMI Calculator can help you plan loan repayments before applying. If you're sending money abroad from Kargil, you'll need a SWIFT code — which identifies the international correspondent bank for your branch.

More PIN Codes in Kargil and Jammu and Kashmir

PIN code 194302 is one of many postal codes in Kargil district. To explore all post offices and their PIN codes across the district, visit the Kargil PIN Code directory. For the full list of districts and their postal zones in Jammu and Kashmir, see the Jammu and Kashmir PIN Code page. You can also search any other PIN code using the tool above.