IFSC Code Finder
How to Use IFSC Codes
What is IFSC?
IFSC (Indian Financial System Code) is an 11-character code assigned by the Reserve Bank of India to identify bank branches in India uniquely. It's essential for NEFT, RTGS, IMPS, and UPI transactions.
For NEFT/RTGS
When making NEFT or RTGS transfers, you need to provide the recipient's account number and the correct IFSC code of their bank branch to ensure the money reaches the right destination.
For UPI/IMPS
For UPI and IMPS transactions, the IFSC code is automatically fetched when you enter the recipient's account details or UPI ID, ensuring quick and secure transfers.
Understanding IFSC Code Format
An IFSC code consists of 11 characters:
- First 4 characters: Bank code (alphabets)
- 5th character: Always 0 (zero)
- Last 6 characters: Branch code (alphanumeric)
Example: SBIN0005943 - Here, SBIN represents State Bank of India, 0 is the default character, and 005943 is the branch code.
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Frequently Asked Questions
An IFSC (Indian Financial System Code) is an 11-character code assigned by the Reserve Bank of India to identify bank branches uniquely. It's crucial for electronic fund transfers like NEFT, RTGS, IMPS, and UPI as it ensures your money reaches the correct bank branch.
You can find your bank's IFSC code in several ways: check your cheque book (it's usually printed on the bottom), use our IFSC finder tool above by selecting your bank and branch, check your bank's official website, or call your bank's customer service.
If you enter an incorrect IFSC code, your transaction might fail or get delayed. In some cases, the money might be transferred to a wrong account, requiring a complex reversal process. Always double-check the IFSC code before confirming any transaction.
No, IFSC and MICR codes are different. IFSC (Indian Financial System Code) is used for electronic fund transfers like NEFT and RTGS. MICR (Magnetic Ink Character Recognition) code is primarily used for cheque clearance. Both identify bank branches but serve different purposes.
Yes, IFSC codes can change when banks merge, branches relocate, or banking systems undergo significant changes. For example, many IFSC codes changed during bank mergers like SBI's merger with its associate banks. Always verify the current IFSC code before making transactions.
No, each bank branch has its unique IFSC code. You must use the specific IFSC code of the branch where the recipient's account is maintained. Using a different branch's IFSC code, even of the same bank, may cause transaction failures or delays.
About IFSC Codes
IFSC (Indian Financial System Code) is a unique 11-character code assigned by the Reserve Bank of India to identify bank branches participating in various payment systems in India. Introduced by the RBI under its NEFT (National Electronic Funds Transfer) guidelines, IFSC has become an essential component of the Indian banking system.
Importance of IFSC Codes
IFSC codes play a crucial role in the electronic payment system in India. They ensure that funds are transferred to the correct bank branch during online transactions. Whether you're using NEFT, RTGS, IMPS, or UPI for transferring money, providing the correct IFSC code is mandatory to complete the transaction successfully.
Our Mission
At IFSC Code Finder, our mission is to provide a comprehensive, user-friendly platform for finding accurate IFSC codes for all banks and branches across India. We aim to simplify the process of locating IFSC codes, ensuring that your online banking transactions are smooth and error-free.
Data Accuracy
We maintain an up-to-date database of IFSC codes for all banks in India. Our data is regularly verified and updated to reflect any changes due to bank mergers, branch relocations, or other modifications in the banking system. However, we recommend confirming the IFSC code with your bank for critical transactions.