Find IFSC code by bank and branch. Reverse lookup - enter IFSC to get bank details, MICR, address.
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utilityIFSC (Indian Financial System Code) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch in India. It uniquely identifies each branch in the electronic payment network and is mandatory for NEFT, RTGS, and IMPS transfers. The first four characters represent the bank name, the fifth character is always 0, and the last six characters identify the specific branch.
Every time you transfer money online in India - whether paying rent, sending money home, or making business payments - the IFSC code ensures your money reaches the exact branch. Without the correct IFSC code, bank transfers can fail or be delayed. Our lookup tool covers all banks and branches registered with the RBI across India.
All three major interbank transfer systems in India require IFSC codes. NEFT (National Electronic Funds Transfer) processes transactions in batches throughout the day. RTGS (Real Time Gross Settlement) is for high-value transfers above Rs.2 lakh and settles instantly. IMPS (Immediate Payment Service) works 24/7 including holidays for instant transfers of any amount. UPI also uses IFSC internally but abstracts it with VPA (Virtual Payment Address).