IFSC Code Finder

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What is an IFSC Code?

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 in India that participates in electronic fund transfers. The IFSC code is essential for NEFT, RTGS, and IMPS transactions.

IFSC Code Structure

An IFSC code like SBIN0001234 has three parts:

NEFT vs RTGS vs IMPS

FeatureNEFTRTGSIMPS
Full FormNational Electronic Fund TransferReal Time Gross SettlementImmediate Payment Service
Speed30 min - 2 hoursReal-time (minutes)Instant (seconds)
Min AmountRs. 1Rs. 2,00,000Rs. 1
Max AmountRs. 10,00,000No limitRs. 5,00,000
Availability24x724x724x7
ChargesFree (most banks)Free (most banks)Rs. 0-15

How to Find Your IFSC Code

Why is IFSC Important?

Without the correct IFSC code, your online fund transfers will fail or go to the wrong branch. Always double-check the IFSC code before making large transfers. An incorrect IFSC code is one of the most common reasons for failed bank transactions in India. If you enter a wrong IFSC code, the transaction will typically be returned within 24-48 hours, but it can cause delays and inconvenience.

FAQ

Are all IFSC codes 11 characters?
Yes, all IFSC codes in India are exactly 11 characters - 4 letters for the bank, 1 zero, and 6 alphanumeric characters for the branch.
What happens if I enter wrong IFSC?
If the IFSC is invalid, the transaction will fail immediately. If it is valid but belongs to a different branch, the money may go to the wrong branch and will need to be traced and returned, which can take days.
Do IFSC codes change?
IFSC codes can change when banks merge (like when associate banks merged with SBI). After a merger, old codes are valid for a transition period, then replaced with new ones. Always verify before major transactions.

What an IFSC code is made of

An IFSC is eleven characters: four letters for the bank, a zero, then six characters for the branch. In SBIN0000001, SBIN is State Bank of India, the fifth character is always 0 and reserved for future use, and 000001 identifies the branch.

The structure

PositionCharactersMeaning
1–4LettersBank code, assigned by the RBI
5Always 0Reserved for future use
6–11AlphanumericBranch identifier, unique within that bank

Bank codes you will see most often

CodeBankCodeBank
SBINState Bank of IndiaKKBKKotak Mahindra Bank
HDFCHDFC BankIDFBIDFC First Bank
ICICICICI BankYESBYes Bank
UTIBAxis BankINDBIndusInd Bank
PUNBPunjab National BankFDRLFederal Bank
BARBBank of BarodaRATNRBL Bank
CNRBCanara BankAUBLAU Small Finance Bank
UBINUnion Bank of IndiaIDIBIndian Bank
BKIDBank of IndiaIOBAIndian Overseas Bank
CBINCentral Bank of IndiaUCBAUCO Bank
MAHBBank of MaharashtraPSIBPunjab & Sind Bank
KARBKarnataka BankCIUBCity Union Bank
SIBLSouth Indian BankTMBLTamilnad Mercantile Bank

Which transfers need an IFSC

SystemIFSC needed?LimitsSettlement
NEFTYesNo minimum or maximum set by RBINear real-time, 24×7
RTGSYesMinimum ₹2 lakh, no upper limitReal-time, gross, 24×7
IMPSYes, or use MMIDTypically up to ₹5 lakhInstant, 24×7
UPINo — a UPI ID is enoughTypically ₹1 lakh per day, higher for some categoriesInstant, 24×7
Cheque clearing (CTS)Printed on the cheque—Working days

Where to find yours

  1. It is printed on the front of your cheque leaf, usually near the account number, and on the first page of most passbooks.
  2. Net banking and mobile apps show it under account details or the "account statement" header.
  3. The Reserve Bank of India publishes the authoritative list of all IFSCs and updates it as branches merge or close — this is the source to trust when a code has stopped working.
  4. Do not rely on a code found in an old email after a bank merger. Amalgamations reissue codes wholesale.

When an IFSC suddenly stops working

Bank mergers are the usual cause. When Dena and Vijaya Bank merged into Bank of Baroda, when Andhra Bank and Corporation Bank went into Union Bank, and when Oriental Bank of Commerce and United Bank of India went into Punjab National Bank, every affected branch was issued a new IFSC and the old ones were retired after a transition window. A transfer using a retired code is rejected and the money returns to the sender, typically within one to two working days. If a payment bounced with an "invalid IFSC" message, look up the current code for the branch rather than reusing the one on an old cheque book.

More questions people ask

What is the full form of IFSC?

Indian Financial System Code. It is an eleven-character code assigned by the Reserve Bank of India that uniquely identifies a single bank branch participating in the electronic funds transfer systems.

What does the fifth character of an IFSC mean?

It is always the digit 0 and is reserved for future use by the RBI. Any code with something else in that position is not a valid IFSC.

Do I need an IFSC for UPI?

No. A UPI transfer uses a virtual payment address such as name@bank, and the underlying routing is handled by the NPCI. IFSC is required for NEFT, RTGS and account-number-based IMPS transfers.

Is IFSC the same as MICR code?

No. IFSC is an 11-character alphanumeric code used for electronic transfers. MICR is a 9-digit numeric code printed at the bottom of a cheque in magnetic ink and used for physical cheque clearing. Both identify a branch, but through different systems.

Why did my IFSC code change?

Almost always because of a bank merger or a branch relocation. Amalgamated banks are issued fresh codes under the surviving bank’s prefix and the old codes are retired, so transfers using them are rejected.

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