IFSC Code Lookup

IFSC Code Lookup

Find IFSC code by bank and branch. Reverse lookup - enter IFSC to get bank details, MICR, address.

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About IFSC Codes

  • IFSC Format: 11 characters - first 4 are bank code, 5th is always 0, last 6 identify the branch
  • Usage: Required for NEFT, RTGS, and IMPS fund transfers
  • Data Source: Razorpay IFSC API with RBI data
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What is an IFSC Code and Why Does It Matter?

IFSC (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.

NEFT vs RTGS vs IMPS - Which Uses IFSC?

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).

Frequently Asked Questions

What is an IFSC code?+
IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch for electronic fund transfers like NEFT, RTGS, and IMPS.
How do I find the IFSC code of my bank branch?+
You can find your IFSC code on your cheque book (printed on the top), your bank's passbook, your net banking dashboard, or using our IFSC lookup tool by searching your bank name and branch. The RBI maintains the official database of all valid IFSC codes.
Do IFSC codes change?+
IFSC codes can change when banks merge, branches relocate, or the RBI updates the banking network. After major bank mergers (like the SBI associate bank mergers), many IFSC codes were updated. Always verify the IFSC code before making a high-value transfer.
Is IFSC code the same as SWIFT code?+
No. IFSC is used for domestic transfers within India. SWIFT (Society for Worldwide Interbank Financial Telecommunication) codes are used for international wire transfers. If you are sending money internationally, you will need your bank's SWIFT code, not the IFSC code.
Is the IFSC database up to date?+
Yes, the database is regularly updated with the latest RBI data including new branches and merged banks.