IFSC Code Lookup — Find Any Bank Branch IFSC Code

Browse India's complete IFSC database across 1,359+ banks and 36 states. Find any 11-character IFSC code for NEFT, RTGS, IMPS and UPI transfers — browse Bank → State → City → Branch or enter the code directly.

Updated May 2026 RBI Official Data Live Data
182,289+ IFSC-Enabled Branches
1,359+ Banks Covered
NEFT · RTGS · IMPS Transfer Systems
36 States & UTs
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What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric identifier assigned by the Reserve Bank of India (RBI) to every bank branch in India that participates in electronic fund transfer networks — NEFT, RTGS, IMPS, and UPI. Without a valid IFSC code, it is impossible to initiate any online bank transfer in India.

Think of IFSC as the digital address of a bank branch. Just as a physical PIN code directs mail to a specific post office, the IFSC code directs digital money to a specific bank branch. Every one of India's 182,289+ active bank branches has a unique IFSC code — no two branches share the same code.

The RBI introduced IFSC codes as part of the National Electronic Funds Transfer (NEFT) system in 2005. Since then, IFSC has become the universal identifier for all digital banking in India, used across RTGS (2004), IMPS (2010), and UPI (2016). Every digital payment platform — from PhonePe and GPay to BHIM and net banking — relies on IFSC codes to route transactions correctly.

IFSC Code Format: Breaking Down the 11 Characters

Every IFSC code follows a strict and predictable 11-character format. Understanding this structure lets you validate a code before initiating any transfer.

Characters 1–4: Bank Code (Alphabetic)

The first four characters identify the bank. These are always letters — never digits. Each bank is assigned a unique 4-letter code by the RBI. Some common bank codes:

  • SBIN — State Bank of India
  • HDFC — HDFC Bank
  • ICIC — ICICI Bank
  • UTIB — Axis Bank (formerly UTI Bank)
  • PUNB — Punjab National Bank
  • BARB — Bank of Baroda
  • CNRB — Canara Bank
  • KKBK — Kotak Mahindra Bank
  • UBIN — Union Bank of India
  • IBKL — IDBI Bank

Character 5: The Reserved Zero

The fifth character is always the digit 0 (zero) — not the letter O. This position is reserved by the RBI for future expansion of the banking system. It acts as a separator between the bank identifier and the branch code. A code with any character other than 0 in this position is invalid.

Characters 6–11: Branch Code (Alphanumeric)

The last six characters are the branch-specific identifier. These can be a combination of letters and digits (alphanumeric). Each bank assigns these codes to its branches sequentially or based on an internal numbering system. For example, 001234 or 000001 or RAIPUR (some banks use city abbreviations). The 6-character branch code is what makes every IFSC unique at the branch level.

Which Transactions Require an IFSC Code?

IFSC codes are required for all major digital fund transfer mechanisms in India. Here is a breakdown of each:

1. NEFT — National Electronic Funds Transfer

NEFT is the most widely used fund transfer system in India. Operated by the Reserve Bank of India, NEFT settles transactions in half-hourly batches throughout the working day (available 24×7 since December 2019). There is no minimum transfer amount for NEFT — you can send as little as ₹1. Both the sender and the receiver's bank must have valid IFSC codes registered on the NEFT network.

2. RTGS — Real Time Gross Settlement

RTGS is used for high-value transfers above ₹2 lakh. Unlike NEFT (batch settlement), RTGS settles each transaction individually in real time — making it the fastest and most secure method for large transfers. RTGS is available 24×7 since December 2020. The IFSC code of the recipient's branch is mandatory to initiate an RTGS transfer.

3. IMPS — Immediate Payment Service

IMPS, operated by NPCI, is a 24×7 instant fund transfer service including weekends and bank holidays. Unlike NEFT and RTGS (which are RBI-operated), IMPS is managed by NPCI. You can transfer using IFSC + account number, or using MMID + mobile number. IMPS supports transfers up to ₹5 lakh per transaction.

4. UPI — Unified Payments Interface

UPI uses Virtual Payment Addresses (VPA like name@upi) for peer-to-peer payments, so users don't type IFSC codes during most UPI transactions. However, IFSC is required when adding a bank account to a UPI app. The NPCI's UPI infrastructure uses IFSC codes in the backend to validate and route account links to the correct branch.

Where to Find Your IFSC Code

Your bank's IFSC code is available in multiple places. Here are the most reliable sources:

  • Bank Passbook: The IFSC code is printed on the first/account information page of your passbook, alongside your account number, MICR code, and branch address.
  • Cheque Leaf: The IFSC code is printed at the top or bottom of a cheque leaf. In most cheque books, it appears as a separate line above the cheque number band or on the left side of the MICR line.
  • Net Banking / Mobile Banking: Log into your bank's internet banking and navigate to Account Details or Account Summary. The IFSC code is listed alongside your account number and branch name.
  • Bank Account Statement: Monthly or quarterly account statements (paper or PDF) typically include the IFSC code in the account summary section at the top.
  • Bank's Official Website: All major banks publish a branch locator on their website where you can search by city or pincode and find the IFSC code.
  • BankZop (this tool): Use the Browse tab above to navigate Bank → State → City → Branch, or use the Search tab if you have the code and want to verify it. BankZop covers 182,289+ branches across 1,359+ banks, sourced from RBI's official NEFT master data.

IFSC Code vs MICR Code vs BSR Code: Complete Comparison

All three codes are assigned by the RBI and uniquely identify a bank branch — but they are used in completely different banking systems. Confusing them is one of the most common mistakes when filling financial forms in India.

Feature IFSC Code MICR Code BSR Code
Full Form Indian Financial System Code Magnetic Ink Character Recognition Basic Statistical Return
Length 11 characters (alphanumeric) 9 digits (numeric) 7 digits (numeric)
Used For NEFT, RTGS, IMPS, UPI transfers Cheque clearing, ECS, NACH, SIP TDS challan, income tax filing
Format BankCode(4) + 0 + Branch(6) City(3) + Bank(3) + Branch(3) RBI assigned, branch-specific
Where Found Passbook, cheque, net banking Bottom of cheque, passbook TDS forms, Form 16, RBI records
Issued By RBI (NEFT/RTGS master) RBI (CTS grid) RBI (TDS system)

Use IFSC for online transfers (NEFT, RTGS, IMPS, UPI). Use MICR for cheque-related and NACH/ECS mandate processes. Use BSR for TDS challan deposits and income tax compliance.

How IFSC Codes Work: NEFT Transfer Step by Step

To understand why IFSC codes matter, here is exactly what happens when you initiate a NEFT transfer:

  1. You enter the recipient's account number and IFSC code in your net banking or mobile banking app.
  2. Your bank validates the IFSC against the RBI's NEFT participant list. If invalid, the transfer is rejected immediately.
  3. Your bank submits the transfer request to the RBI's NEFT settlement engine in the next available half-hourly batch.
  4. The RBI's system uses the IFSC code to identify the receiving bank and branch.
  5. The RBI debits your bank's settlement account and credits the receiving bank's settlement account.
  6. The receiving bank, identified by the IFSC code, credits the funds to the beneficiary's account.
  7. The entire process — from initiation to credit — completes within 30–120 minutes during banking hours.

A single incorrect character in the IFSC code can cause the transfer to fail at Step 2 (rejected) or, in rare cases, route it to the wrong branch at Step 4. Always verify the IFSC using BankZop before adding a new beneficiary.

IFSC Codes After Bank Mergers: What Changed

India has seen several major bank mergers in recent years — particularly among public sector banks. These mergers resulted in thousands of IFSC codes being deactivated and replaced:

  • 2019: Vijaya Bank and Dena Bank merged into Bank of Baroda. Old VIJB and DENA IFSC codes replaced by BARB codes.
  • 2020: Oriental Bank of Commerce (OBC) and United Bank of India (UBI) merged into Punjab National Bank. Old ORBC and UTBI IFSC codes replaced by PUNB codes.
  • 2020: Syndicate Bank merged into Canara Bank. Old SYNB IFSC codes replaced by CNRB codes.
  • 2020: Andhra Bank and Corporation Bank merged into Union Bank of India. Old ANDB and CORP IFSC codes replaced by UBIN codes.
  • 2020: Allahabad Bank merged into Indian Bank. Old ALLA IFSC codes replaced by IDIB codes.

If you have saved beneficiaries with old IFSC codes from any of the above banks, update them immediately. Transfers to deactivated IFSC codes may fail or be delayed. BankZop maintains the latest active IFSC codes — always verify before a transfer.

IFSC Codes for India's Top Banks

BankZop covers IFSC codes for every bank registered on the RBI's NEFT network. Here is a quick overview of the top banks:

Common Mistakes to Avoid with IFSC Codes

  • Confusing IFSC with MICR: Entering a 9-digit MICR code in the IFSC field is one of the most common errors. IFSC is always 11 alphanumeric characters.
  • Using the letter O instead of digit 0: The fifth character of every IFSC is always the digit zero (0). Many people accidentally type the letter O, making the code invalid.
  • Using an old code after a merger: Always verify the current IFSC for branches of merged banks. Old codes are deactivated and transfers will fail.
  • Copying from an image with poor resolution: If reading from a scanned cheque or passbook photo, characters like I/l/1 and O/0 can look identical. Always cross-check using BankZop.
  • Not verifying before adding a high-value beneficiary: Bank systems allow you to add a beneficiary without verifying the IFSC in some cases. Always confirm the IFSC on BankZop before sending large amounts to a newly added beneficiary.

How to Use BankZop's IFSC Code Lookup

BankZop offers two methods to find IFSC codes — choose based on the information you have:

  • Browse by Bank: Click the Browse tab above. Select your bank → choose state → select city → pick the branch. The result page shows the full IFSC code along with MICR, BSR, address, and contact details — all copy-to-clipboard enabled.
  • Search by IFSC Code: If you have a code and want to verify it, switch to the Search tab and enter the 11 characters. The result shows the complete branch details, confirming whether the code is active and valid.

All data on BankZop is sourced from the RBI's NEFT/RTGS participant master records and is updated regularly. For cheque-clearing and NACH codes, use our MICR Code Lookup. For TDS challan codes, use the BSR Code Lookup. For international wire transfers, visit our SWIFT Code Lookup.

Data sourced from RBI NEFT/RTGS master records and NPCI. Last reviewed Jun 2026 by BankZop Editorial Team.

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Frequently Asked Questions — IFSC Codes