IFSC Finder

What is IFSC Code?

Complete guide to Indian Financial System Codes — format, how to find yours, and how they power every bank transfer in India.

What is IFSC Code?

IFSC (Indian Financial System Code) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch in India that participates in electronic fund transfer systems.

Think of it like a PIN code for bank branches — just as a postal PIN code identifies a specific post office area, an IFSC code identifies a specific bank branch for electronic transactions.

IFSC codes are mandatory for all electronic fund transfers in India including NEFT, RTGS, IMPS, and are used internally by UPI.

IFSC Code Format

S
B
I
N
0
0
0
1
2
3
4
Characters 1–4
Bank Code (alphabetic)
e.g. SBIN = SBI, HDFC = HDFC Bank
Character 5
Always 0 (zero)
Reserved for future use by RBI
Characters 6–11
Branch Code (alphanumeric)
Unique to each branch

IFSC Code Examples

State Bank of India
SBIN0001234
HDFC Bank
HDFC0000001
ICICI Bank
ICIC0000001
Punjab National Bank
PUNB0001000
Axis Bank
UTIB0000001
Bank of Baroda
BARB0VJMUMB

How to Find Your IFSC Code

1
Cheque Book
Printed on every cheque leaf, usually near the MICR code at the bottom.
2
Bank Passbook
Found on the first page along with your account number and branch details.
3
Net Banking / Mobile App
Login to your net banking portal → go to Account Details or Profile section.
4
Bank Statement
Printed on every bank statement sent by email or generated online.
5
Search Online
Use AllBankIFSCCodes — search by bank name, branch, city, or state to find any IFSC code instantly.
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Where IFSC Code is Used

NEFT
National Electronic Funds Transfer

Batch-processed transfers settled in 30-minute intervals. Available 24/7 since December 2019. No minimum or maximum limit.

RTGS
Real Time Gross Settlement

Real-time transfers for amounts above ₹2 lakh. Settled individually as they come. Available 24/7 since December 2020.

IMPS
Immediate Payment Service

Instant 24/7 transfers up to ₹5 lakh. Fastest method with real-time confirmation. Works on holidays and weekends.

UPI
Unified Payments Interface

Mobile-based instant payments using UPI ID. Built on IMPS infrastructure. IFSC is verified internally when linking bank account.

IFSC vs MICR vs SWIFT Codes

FeatureIFSCMICRSWIFT
Full FormIndian Financial System CodeMagnetic Ink Character RecognitionSociety for Worldwide Interbank Financial Telecommunication
Length11 characters9 digits8 or 11 characters
Used ForNEFT, RTGS, IMPSCheque clearanceInternational wire transfers
ScopeIndia onlyIndia onlyGlobal
Assigned ByRBIRBISWIFT organization
Convert between IFSC and MICR codes

Frequently Asked Questions

What is the full form of IFSC?+
IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch participating in electronic fund transfers in India.
How many digits does an IFSC code have?+
An IFSC code has exactly 11 characters — the first 4 alphabetic characters represent the bank, the 5th character is always 0 (zero), and the last 6 characters (alphanumeric) identify the specific branch.
Is IFSC code same for all branches of a bank?+
No. Each bank branch has a unique IFSC code. Even two branches of the same bank in the same city will have different IFSC codes. The first 4 characters (bank code) are the same, but the last 6 characters (branch code) are unique to each branch.
Can I do NEFT/RTGS without IFSC code?+
No. IFSC code is mandatory for NEFT, RTGS, and IMPS transactions. Without the correct IFSC code, banks cannot route your electronic fund transfer to the right branch.
Does IFSC code change when a bank merges?+
Yes. When banks merge (like Dena Bank and Vijaya Bank merging into Bank of Baroda), the IFSC codes of the merging banks are eventually updated to reflect the new bank's code. The RBI publishes updated IFSC code lists periodically.
What happens if I use a wrong IFSC code?+
If you use an incorrect IFSC code, your NEFT/RTGS/IMPS transaction will fail, and the amount will be returned to your account. In rare cases, if the wrong IFSC code corresponds to a valid branch, the funds may be credited to the wrong branch, requiring manual intervention to recover.
Is IFSC code and MICR code the same?+
No. IFSC (11 characters) is used for electronic transfers (NEFT, RTGS, IMPS), while MICR (9 digits) is used for cheque processing. A bank branch has both codes, but they serve different purposes. You can convert between them using our cross-lookup tool.
Where can I find my bank's IFSC code?+
You can find your IFSC code on your cheque book, bank passbook, bank statement, net banking portal, or by searching on ifsc.allbankifsccodes.com. You can also find it printed on the first page of your bank passbook.
How often are IFSC codes updated?+
The RBI updates the IFSC code database periodically, typically when new branches open, branches close, or banks merge. Our database at AllBankIFSCCodes is updated regularly to reflect the latest RBI data.
Can I use IFSC code for UPI payments?+
UPI (Unified Payments Interface) uses a different identifier (UPI ID or VPA) for payments. However, IFSC codes are used internally by the UPI system to route payments between bank branches. When you link your bank account to UPI, the IFSC code is verified automatically.

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