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What is an IFSC Code?

IFSC stands for Indian Financial System Code. It's an eleven digits & characters combination unique identifying number. This unique code helps to identify the particular individual bank branches for online transation such as NEFT, RTGS & IMPS transations.

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Or Select a Bank from these
ALLAHABAD BANK    3902 Branches
ANDHRA BANK    3218 Branches
AXIS BANK    4220 Branches
B N P PARIBAS    8 Branches
BANDHAN BANK LIMITED    940 Branches
BANK OF AMERICA    4 Branches
BANK OF BARODA    5549 Branches
BANK OF CEYLON    2 Branches
BANK OF INDIA    5298 Branches
BANK OF MAHARASHTRA    1923 Branches
BARCLAYS BANK    2 Branches
CANARA BANK    6545 Branches
CENTRAL BANK OF INDIA    4908 Branches
CITI BANK    36 Branches
CITY UNION BANK LIMITED    607 Branches
CORPORATION BANK    2505 Branches
CREDIT SUISEE AG    1 Branches
DCB BANK LIMITED    320 Branches
DENA BANK    1793 Branches
DEUSTCHE BANK    29 Branches
DHANALAKSHMI BANK    281 Branches
DMK JAOLI BANK    25 Branches
DOHA BANK    3 Branches
DOHA BANK QSC    1 Branches
FEDERAL BANK    1320 Branches
FINO PAYMENTS BANK    127 Branches
FIRSTRAND BANK LIMITED    1 Branches
G P PARSIK BANK    92 Branches
HDFC BANK    5838 Branches
HSBC BANK    30 Branches
ICICI BANK LIMITED    5179 Branches
IDBI BANK    3195 Branches
IDFC BANK LIMITED    200 Branches
INDIAN BANK    2787 Branches
INDIAN OVERSEAS BANK    3416 Branches
INDUSIND BANK    1334 Branches
JP MORGAN BANK    4 Branches
KARNATAKA BANK LIMITED    835 Branches
KARUR VYSYA BANK    859 Branches
KEB HANA BANK    1 Branches
KERALA GRAMIN BANK    645 Branches
KRUNG THAI BANK PCL    1 Branches
LAXMI VILAS BANK    595 Branches
MAHARASHTRA GRAMIN BANK    418 Branches
MASHREQBANK PSC    1 Branches
MIZUHO BANK LTD    6 Branches
MUFG BANK, LTD    5 Branches
ORIENTAL BANK OF COMMERCE    2405 Branches
PRATHAMA BANK    422 Branches
PUNJAB AND SIND BANK    1527 Branches
PUNJAB NATIONAL BANK    7258 Branches
RABOBANK INTERNATIONAL    1 Branches
RBL BANK LIMITED    276 Branches
RESERVE BANK OF INDIA    41 Branches
SBER BANK    1 Branches
SHINHAN BANK    7 Branches
SOCIETE GENERALE    2 Branches
SOUTH INDIAN BANK    925 Branches
STANDARD CHARTERED BANK    101 Branches
STATE BANK OF INDIA    26255 Branches
SYNDICATE BANK    4223 Branches
THE HASTI COOP BANK LTD    21 Branches
THE NAINITAL BANK LIMITED    140 Branches
TJSB SAHAKARI BANK LTD    93 Branches
UCO BANK    3093 Branches
UNION BANK OF INDIA    4499 Branches
UNITED BANK OF INDIA    2070 Branches
VIJAYA BANK    2302 Branches
WOORI BANK    4 Branches
YES BANK    3167 Branches

General Information About Bank IFSC & MICR Code


What is an IFSC Code?

IFSC stands for Indian Financial System Code. It's an eleven digits & characters combination unique identifying number. This unique code helps to identify the perticular individual bank branches for smooth online transation such as NEFT, RTGS & IMPS transations. This code is developed by RBI (Reserve Bank of India).


Structure of the IFSC Code

The first four letters of the IFSC Code is bank code, Next one digits is genarally (0) zero & it's reserved for future use & last six digits is an unique identifier no for the particular Financial institution or bank branch.


Example : Breakdown of IFSC Code

A

B

C

D

0

1

2

3

4

5

6

Bank Code

Future Use

Branch Code


What is IFSC code used for?

IFSC Code used for various electronic or online fund transfer such as NEFT, RTGS, IMPS & other online fund transferring etc.


What is MICR Code?

MICR stands for Magnetic Ink Character Recognition technology & this code is developed by RBI (Reserve Bank of India). It's also a nine digits unique identifying number. This unique nine digits MICR code helps to identify the perticular individual bank branches and branch participating in an Electronic Clearing System (ECS).

The MICR code is located on the bottom of a each cheque leaf, next to the cheque number. You can also find it printed on the first page of a bank passbook.


Structure of the MICR Code


Example : Breakdown of MICR Code

1

2

3

4

5

6

7

8

9

City Code

Bank Code

Branch Code


What is MICR code used for?

MICR Code used for various financial transations such as SIP form or for transferring funds.


The given information is as per the guidelines of RBI (Reserve Bank of India)

Payment Service NEFT RTGS IMPS
Process Process is based on Deferred Net Settlement (DNS) and the transfer of funds will be carried out in  half-hourly batches starting from 12:30 am to 12:00 am Payment process in which the money is credited in the beneficiary’s bank branch in real-time and on gross basis Real-time and instant interbank fund transfer process, IMPS is considered a secure & faster mode of fund transfer
Minimum Transfer Limit Re.1 Rs.2 lakh Re.1
Maximum Transfer Limit No limit No limit Rs.2 lakh
Operational Timings Available 24x7, 365 days (including bank holidays) 7 am to 6 pm on all working days Available 24x7, 365 days (including bank holidays)
Inward Transaction Charges No charges No charges Decided by individual member banks and PPIs