IFSC Codes in India: List of IFSC Codes, MICR Codes, and Bank Branch Details
What Is an IFSC Code?
IFSC stands for Indian Financial System Code. It is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to every bank branch that participates in electronic fund transfers across India.
You'll find your IFSC code printed on your cheque leaf, on the first page of your passbook, or listed on your bank's official website. Any fund transfer — whether through NEFT, RTGS, or IMPS — requires a valid IFSC code to reach the right destination.
Structure of an IFSC Code:
- Characters 1–4: Alphabets identifying the bank (e.g., SBIN for State Bank of India)
- Character 5: Always 0 (zero), reserved for future use
- Characters 6–11: Unique code identifying the specific branch
How to Find an IFSC Code
There are four reliable ways to find the IFSC code of any bank branch in India:
Cheque leaf or passbook
Your IFSC code is printed on every cheque issued by your bank and on the front page of your passbook.
RBI website
The Reserve Bank of India maintains an official, up-to-date list of all bank branches and their IFSC codes.
Bank's official website
Most banks publish branch-wise IFSC codes directly on their websites.
IFSC Code Finder (this page)
The fastest way. Enter the code directly, or filter by bank, state, district, and branch to get the code you need in seconds.
Benefits of IFSC Code
Using IFSC codes for fund transfers offers several important advantages:
Benefits of MICR Code
MICR (Magnetic Ink Character Recognition) is a 9-digit code used for cheque processing. It enables fast, efficient, and error-free cheque clearing by using magnetic ink and specialized reading technology. Every bank branch carries a unique MICR code, which forms part of the Electronic Clearing System (ECS). This tool shows both IFSC and MICR codes together, so you can access either without a separate lookup.
Fund Transfer Details Using IFSC Code
The table below shows standard transaction charges for NEFT, RTGS, and IMPS transfers. These figures are indicative — individual banks may apply different charges within the RBI's prescribed limits.
| Amount | NEFT | RTGS | IMPS |
|---|---|---|---|
| Up to ₹10,000 | ₹2.50 | Not applicable (min. ₹2 lakh) | ₹5.00 |
| ₹10,001 – ₹2 Lakh | ₹15.00 | ₹26.00 | ₹10.00 |
| Above ₹2 Lakh | ₹25.00 | ₹51.00 | ₹15.00 |
Service Hours:
- NEFT: 8:00 AM – 7:00 PM (Weekdays)
- RTGS: 9:00 AM – 4:30 PM (Weekdays)
- IMPS: 24 hours, 365 days
How to Transfer Money Using an IFSC Code
An IFSC code is at the heart of every digital fund transfer in India. Here's how it works — and how to use it.
Example: The IFSC code for ICICI Bank's Mumbai branch is ICIC0000027.
ICIC → identifies the bank as ICICI Bank
0 → always zero, reserved character
000027 → identifies the specific branch
Steps to transfer money using an IFSC code:
Log in to your bank's internet or mobile banking app.
Go to the fund transfer section and choose your transfer type — NEFT, RTGS, or IMPS.
Add the recipient as a beneficiary: enter their name, account number, bank name, and IFSC code.
Enter the transfer amount and review the details.
Confirm the transaction. The funds are routed to the correct branch and credited to the recipient's account.
Transfers using valid IFSC codes are secure, traceable, and typically settled within minutes. Before you confirm any first-time transfer, use the search tool above to verify the code — a quick check now prevents a lot of trouble later.
Transfer Funds Through SMS (IMPS via Mobile Banking)
You can also send money instantly using IMPS through SMS on your registered mobile number. Here's how:
Register your mobile number for mobile banking services at your bank.
You'll receive a unique 7-digit MMID (Mobile Money Identifier) and an mPIN.
Compose an SMS with the keyword IMPS, followed by the payee's name, bank, branch, account number, IFSC code, and transfer amount.
Send the SMS. You'll receive a confirmation message prompting you to enter your mPIN.
Enter your mPIN and confirm. The funds are transferred immediately to the payee's account.
Difference Between IFSC Code and MICR Code
Both codes identify bank branches — but they serve different purposes in the banking system.
| IFSC Code | MICR Code |
|---|---|
| Used for electronic fund transfers (NEFT, RTGS, IMPS) | Used for cheque processing and clearing |
| 11-character alphanumeric code | 9-digit numeric code |
| First four characters identify the bank | First three digits identify the city |
| Last six characters identify the specific branch | Last three digits identify the branch |
In short: the IFSC code guides your money through the online banking network, while the MICR code keeps your cheques moving through the clearing system. Both are displayed together in this finder tool — so you get everything you need from a single search.
Popular Banks and Their IFSC Codes
Looking for a specific bank? Use the finder tool above to search IFSC codes for branches across all leading banks in India:
Whether you're a salaried professional sending money home, a business owner clearing vendor payments, or someone setting up a transfer for the very first time — you'll find the right code here, for whichever bank you need.
Frequently Asked Questions About IFSC Codes
What is an IFSC code?
IFSC stands for Indian Financial System Code. It is a unique 11-character alphanumeric code assigned by the RBI to identify specific bank branches for electronic fund transfers.
Is the IFSC code the same as a branch code?
No. While the last six characters of an IFSC code represent the branch, the full IFSC code also includes the bank identifier. It is used specifically for electronic transfers and is not interchangeable with a standalone branch code.
What is a branch code?
A branch code is a shorter code that uniquely identifies a particular branch within a bank's network. It forms part of the IFSC code but is not the same as the full IFSC.
What is a MICR code?
MICR stands for Magnetic Ink Character Recognition. It is a 9-digit code used to identify bank branches for cheque clearing through the Electronic Clearing System (ECS). Unlike the IFSC code, it is used for paper-based transactions.
Where can I find my IFSC code?
You can find it on your cheque leaf, passbook, or your bank's official website. You can also search for it instantly using the tool on this page — just select your bank, state, district, and branch.
What happens if I use the wrong IFSC code?
Using an incorrect IFSC code may result in a failed, delayed, or misdirected transfer. Always verify the code before confirming any transaction — especially for first-time beneficiaries.
Can I use this IFSC code finder for any bank in India?
Yes. This tool covers branches across all major public sector banks, private sector banks, regional rural banks, and cooperative banks regulated by the RBI. If you're looking for any branch anywhere in India, we're happy to help you find it!