Sirsi Urban Souhardha Sahakari Bank Ltd branches in Karwar: Get the list of Sirsi Urban Souhardha Sahakari Bank Ltd MICR codes in Karwar which are made available by Branch. Karwar MICR code is a character-recognition technology used mainly by the banking industry to ease the processing and clearance of cheques and other documents. Karwar MICR code has 9 digits first three digits are Karwar City Code, second three digits are Karwar bank code and last three are Karwar branch code.