BankFinder Pro - Complete IFSC Code Directory

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Find IFSC, MICR Codes and Branch Address

Search for any bank's IFSC code and branch details with our easy-to-use tool. Fast, accurate results for all Indian banks.

What is an IFSC Code?

IFSC (Indian Financial System Code) is an 11-character code assigned by RBI to identify bank branches uniquely across India. This code is essential for NEFT, RTGS, and IMPS transactions.

IFSC Code Format

A
B
C
D
0
1
2
3
4
5
6
Bank Code
0
Branch Code

First 4 characters: Bank identifier
5th character: 0 (reserved)
Last 6 characters: Branch identifier

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BOI

Union

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Access IFSC codes for over 200,000 bank branches across all 28 states and 8 union territories of India with our extensive database.

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About IFSC Codes

What is an IFSC Code?

IFSC is an acronym for Indian Financial System Code. It is a unique eleven-digit number which is a combination of alphabets and numerals. This code is used to transfer funds online for NEFT, IMPS and RTGS transactions.

Usually, this code can be found on the chequebook provided by the bank. It can also be found on the front page of the accountholder's passbook.

The IFSC code of each bank branch is assigned by the Reserve Bank of India. Internet banking transactions for transferring funds, using NEFT, IMPS and RTGS, can't be initiated without a valid IFSC or Indian Financial System Code.

The Importance of IFSC Code

  • Unique Identification - It is easier to identify or search bank by IFSC code
  • Elimination of Errors - It helps to eliminate any discrepancy in the fund transfer process.
  • Electronic Payments Made Easier - This code is used in electronic payment tools such as RTGS, IMPS, and NEFT.
  • Secure Transactions - IFSC ensures your money is transferred to the correct bank account.

Difference Between IFSC and MICR

While IFSC is used for electronic fund transfers, MICR (Magnetic Ink Character Recognition) is primarily used for processing physical cheques. MICR is a 9-digit code printed at the bottom of cheques.

How to Use IFSC Codes

NEFT Transfers

National Electronic Funds Transfer (NEFT) allows transfer between any two NEFT-enabled bank accounts with no minimum or maximum limit. Processing happens in batches during specific timings.

Timing: 24x7 availability

Limit: No minimum or maximum limit

RTGS Transfers

Real Time Gross Settlement (RTGS) is for high-value transactions with real-time processing. The minimum amount is ₹2 lakhs with no upper limit. Best for urgent and large transfers.

Timing: 24x7 availability

Limit: Minimum ₹2 lakhs, no maximum limit

IMPS Transfers

Immediate Payment Service (IMPS) offers 24x7 instant interbank electronic fund transfer through mobile phones, internet banking and ATMs. Maximum limit varies by bank.

Timing: 24x7 instant transfer

Limit: Maximum ₹5 lakhs per day (varies by bank)

Supported Banks

State Bank of India

HDFC Bank

ICICI Bank

Axis Bank

Bank of Baroda

Punjab National Bank

Canara Bank

Bank of India

Union Bank of India

IndusInd Bank

Kotak Mahindra Bank

Yes Bank

IDBI Bank

Indian Bank

Central Bank of India

Indian Overseas Bank

UCO Bank

Bank of Maharashtra

Punjab & Sind Bank

Frequently Asked Questions

How does the IFSC Code work?

The IFSC code uniquely identifies bank branches that participate in NEFT and RTGS systems in India. When you send money, the code helps route the payment to the correct bank branch by specifying both the bank and its specific branch location.

Where can I find the IFSC code of my bank?

You can find the IFSC code on your cheque book, bank passbook, bank statements, or by using our IFSC finder tool. You can also call your bank's customer service for assistance or check the official website of the bank.

What is the difference between RTGS, NEFT, and IMPS?

RTGS is for large transactions (₹2 lakh and above) with real-time settlement. NEFT processes transactions in batches with no minimum limit. IMPS offers 24/7 instant transfers with limits set by individual banks.

Do IFSC codes change when banks merge?

Yes, IFSC codes may change when banks merge. When State Bank of India merged with its associate banks, many IFSC codes were updated. Always verify the latest code before making a transaction.

What happens if I use an incorrect IFSC code?

Using an incorrect IFSC code may result in your transaction being rejected or delayed. In some cases, funds might be transferred to the wrong branch or account. Always verify the IFSC code before initiating any transaction.

Are IFSC codes the same for all branches of a bank?

No, IFSC codes are unique for each branch of a bank. While the first four characters identify the bank, the last six characters specify the particular branch. Even branches in the same city will have different IFSC codes.

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