IFSC Code Search — All Banks in India

IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch in India. It is used to identify the bank and branch for electronic fund transfers like NEFT, RTGS, IMPS and UPI.

You can find your IFSC code on your cheque book, bank passbook, or bank statement. You can also search for it on this page by entering your bank name and branch, or by typing the IFSC code directly.

No. An IFSC code is an 11-character code that identifies both the bank (first 4 characters) and the branch (last 6 characters). A branch code is a separate shorter identifier used internally by the bank.

MICR (Magnetic Ink Character Recognition) is a 9-digit code printed on cheques using magnetic ink. The first 3 digits represent the city, the next 3 represent the bank, and the last 3 represent the branch. It is used for automated cheque processing.

For NEFT, RTGS and IMPS transfers, you need the IFSC code. However, UPI transfers use a VPA (Virtual Payment Address like name@bank) and do not require an IFSC code. Some banks also support account number-based transfers within the same bank.

If you enter an incorrect IFSC code, the transaction will typically fail and be declined. If money is deducted, it is usually refunded to your account within 1-3 business days. If not, contact your bank branch with the transaction reference number.

No. IFSC is used for domestic fund transfers within India. SWIFT code is used for international fund transfers (wire transfers abroad). Both serve the purpose of identifying banks but for different transaction types.

For NEFT and RTGS transfers, yes, you typically need the IFSC code even for same-bank transfers. However, for IMPS within the same bank, you may use just the account number. UPI transfers work with VPA and don't need IFSC.

No. CIF (Customer Information File) is a unique number assigned to each bank customer that stores their account details, KYC information and transaction history. IFSC identifies a bank branch. Every account holder has a different CIF, but all accounts in the same branch share the same IFSC code.

You can find the IFSC code by logging into your bank's net banking or mobile app — it is shown in account details. You can also use this page: select your bank and branch (or search by city) to find the IFSC code. Some banks also display the IFSC code on the account statement.

Yes. The first 4 characters of the IFSC code identify the bank (e.g. HDFC = HDFC Bank, SBIN = State Bank of India), and the last 6 characters identify the specific branch. Enter any IFSC code in the search tool above to see the full bank, branch, city and address details.

The Reserve Bank of India (RBI) assigns a unique 11-character IFSC code to every bank branch in India. The codes are published on the RBI website and maintained by the National Payments Corporation of India (NPCI).

An IFSC code has 11 characters — 4 letters for the bank, 1 zero (reserved for future use), and 6 characters for the branch. For example, in SBIN0001234, 'SBIN' is the bank and '001234' is the branch code.

No. If a bank branch merely changes its location, the IFSC code stays the same. The IFSC code changes only if your account is transferred from one branch to another, or if the bank merges with another bank.

Unless the bank merges with another bank, your IFSC code does not change. However, if you move your account to a different branch of the same bank, your IFSC code will change to the new branch's code.

Yes, it is completely safe. The IFSC code is public information — it only identifies your bank branch and is needed to receive money through NEFT, RTGS or IMPS. Sharing it does not give anyone access to your account.

The transfer will most likely be cancelled or rejected by the system. However, if another person happens to have the same account number at the branch identified by the wrong IFSC code, the money could be credited to their account — so always double-check both details.

IFSC is required for IMPS only when you transfer using the beneficiary's bank account number. If you use the receiver's MMID (Mobile Money Identifier) instead, the IFSC code is not needed.

Yes. Every bank branch in India has its own unique IFSC code. No two branches — even of the same bank — share the same IFSC code. For example, two HDFC branches in the same city will have different codes.

The IFSC code is printed on the top part of every cheque leaf, near the bank branch address. The MICR code is printed at the bottom of the cheque in magnetic ink. As per RBI rules, banks must print IFSC and MICR codes on cheques, passbooks and account statements.