NIHAMA KULGAM IFSC Code, MICR Code, Address and Phone Numbers for The Jammu And Kashmir Bank supposed to use by Account Holders and Bank Authorities. This IFSC Code and MICR Code are unique code which provides by the respective Banks itself. The Jammu And Kashmir Bank is one of the leading banks in India. IFSC Code MICR Code uses to find the Account Holder Details and Bank Details which helps to cross check the bank location and others.