Fino Payments Bank IFSC Codes — All Branches by State

Fino Payments Bank IFSC Codes — Complete Branch Directory

Fino Payments Bank is one of India's leading banks with 85 branches spread across 23 states and union territories, all registered on the Reserve Bank of India's NEFT and RTGS payment networks. Every branch has a unique 11-character IFSC code — the mandatory identifier required for all electronic fund transfers in India including NEFT, RTGS, IMPS, and UPI. BankZop's Fino Payments Bank IFSC directory covers all active branches across India, sourced from official RBI master data and updated regularly.

You need the Fino Payments Bank IFSC code of a specific branch whenever you add it as a beneficiary for online transfers, register a bank account on UPI apps like PhonePe or Google Pay, or receive funds from anyone via NEFT or RTGS. This page lets you drill down by state, city, and branch to find the exact 11-character IFSC code in seconds.

What is the IFSC Code for Fino Payments Bank?

The IFSC code for any Fino Payments Bank branch is an 11-character alphanumeric code that uniquely identifies that branch within India's electronic payment infrastructure. The first four characters of every Fino Payments Bank IFSC code are the bank's unique identifier assigned by the RBI. The fifth character is always the digit 0 (zero), reserved by the RBI for future use. The final six characters are the branch-specific identifier — making the full 11-character code unique to that single branch.

Unlike the MICR code (which identifies a branch for cheque clearing), the IFSC code is specifically used for digital money movement — NEFT, RTGS, IMPS, and UPI. Every online transfer you initiate in India uses IFSC codes in the backend, even when you don't see them explicitly (as in UPI's VPA-based payments). This is why having the correct IFSC code for the right branch is critical before adding any beneficiary.

How the Fino Payments Bank IFSC Code Is Structured

Every Fino Payments Bank IFSC code follows the standard 11-character RBI format:

• Characters 1–4 (Bank Code): Always alphabetic — these four letters uniquely identify Fino Payments Bank across the entire RBI payment network. All Fino Payments Bank branches share the same 4-character bank code prefix.
• Character 5 (Reserved Zero): Always the digit 0 — never the letter O. This position is reserved by the RBI and acts as a fixed separator. Any code with a different character here is invalid.
• Characters 6–11 (Branch Code): Six alphanumeric characters uniquely identifying the specific Fino Payments Bank branch. Banks assign these sequentially or using internal coding systems. This is what differentiates one Fino Payments Bank branch from another.

How to Find Your Fino Payments Bank Branch IFSC Code

BankZop provides the fastest way to find any Fino Payments Bank branch IFSC code in India. Use the drill-down above:

• Step 1 — Select State: Choose your state from the list above. Fino Payments Bank operates in 23 states — use the filter box to find yours instantly.
• Step 2 — Select City: After selecting your state, choose the city where your Fino Payments Bank branch is located.
• Step 3 — Select Branch: Pick your specific branch from the list of all Fino Payments Bank branches in that city.
• Step 4 — View Result: The branch result page displays the complete 11-character IFSC code with a one-click Copy button, plus the MICR code, BSR code, address, pincode, and phone number.

Alternatively, the Fino Payments Bank IFSC code for your account's branch is printed on the first page of your passbook, available in the account details section of your net banking portal, and printed on your cheque leaf. You can also call your Fino Payments Bank branch directly to confirm the IFSC code before initiating any large transfer.

When You Need the Fino Payments Bank IFSC Code

NEFT — National Electronic Funds Transfer

NEFT is the most commonly used fund transfer method in India. To send money to a Fino Payments Bank account via NEFT, you need the recipient's account number and the IFSC code of their specific Fino Payments Bank branch. NEFT settles in half-hourly batches and is available 24×7 since December 2019. There is no minimum amount for NEFT — you can transfer as little as ₹1. Without the correct IFSC code, the transfer will be rejected at the validation stage.

RTGS — Real Time Gross Settlement

RTGS is used for high-value transfers above ₹2 lakh. It settles in real time — meaning funds reach the recipient's Fino Payments Bank account individually and immediately, not in batches. RTGS is the fastest and most secure method for large business payments and property transactions. The IFSC code of the recipient's Fino Payments Bank branch is mandatory for every RTGS transaction. Since RTGS handles large amounts, always triple-check the IFSC code before initiating.

IMPS — Immediate Payment Service

IMPS, operated by NPCI, is a 24×7 instant transfer service available on all days including weekends and bank holidays. You can transfer up to ₹5 lakh per transaction. IMPS can be initiated using either the IFSC code + account number combination, or using MMID + mobile number. The IFSC code method is more common for transfers to known beneficiaries.

UPI — Unified Payments Interface

While UPI's day-to-day payments use Virtual Payment Addresses (VPA like name@upi), the IFSC code is required when you first link your Fino Payments Bank account to a UPI app like PhonePe, Google Pay, or BHIM. The app uses the IFSC code to verify and register your bank account on NPCI's UPI network. Once linked, you don't need to re-enter the IFSC for subsequent UPI payments.

Beneficiary Registration in Net Banking

Before you can transfer money to someone else's Fino Payments Bank account via your bank's net banking portal, you must add them as a beneficiary. The beneficiary registration form requires their account number and IFSC code. Most banks have a 30-minute to 24-hour cooling period after adding a new beneficiary before allowing high-value transfers. Always verify the IFSC code on BankZop before registering a new beneficiary.

Fino Payments Bank IFSC Code vs MICR Code — Key Differences

Both codes identify a Fino Payments Bank branch, but they are used for entirely different banking systems:

Use IFSC when making online transfers or registering your Fino Payments Bank account on UPI apps. Use MICR when filling NACH mandate forms, SIP registrations, or any cheque-related document. For TDS challan deposits, you need the BSR code — a separate 7-digit identifier. You can look up Fino Payments Bank MICR codes at the Fino Payments Bank MICR Code directory on BankZop.

How Fino Payments Bank IFSC Codes Work in NEFT Transfers

The Reserve Bank of India operates the NEFT and RTGS networks — India's primary digital fund transfer infrastructure. When you initiate a NEFT transfer to any Fino Payments Bank branch account, here is how the IFSC code enables the transaction:

1. Initiation: You enter the beneficiary's account number and Fino Payments Bank IFSC code in your net banking or mobile banking app.
2. Validation: Your bank validates the IFSC against the RBI's active NEFT participant list. An invalid or deactivated IFSC causes immediate rejection.
3. Bank identification: The first 4 characters of the IFSC identify Fino Payments Bank as the receiving bank, routing the transfer request to Fino Payments Bank's settlement account.
4. Branch routing: The last 6 characters identify the exact Fino Payments Bank branch, directing the funds to the correct branch's accounting system.
5. Settlement: The RBI debits your bank's settlement account and credits Fino Payments Bank's settlement account. Fino Payments Bank then credits the beneficiary's account. For NEFT, this completes within the next half-hourly batch cycle.

This process means a single incorrect character in the Fino Payments Bank IFSC code can either cause the transfer to fail immediately (if the code is structurally invalid) or credit the wrong account (in rare system edge cases). Always verify using BankZop before adding a new beneficiary.

Fino Payments Bank IFSC Codes After Bank Mergers

India's banking sector has undergone significant consolidation in recent years. If Fino Payments Bank was formed from or merged with another bank, some older IFSC codes from legacy branches may have been deactivated and replaced. Common post-merger scenarios include:

• Old IFSC codes of the merged bank are deactivated — transfers to those codes fail.
• Existing branches are reassigned new IFSC codes under the surviving bank's prefix.
• Some branches from the merged entity are consolidated with nearby branches of the surviving bank.

BankZop maintains the latest active IFSC codes sourced from the RBI's current master data. Always verify your Fino Payments Bank IFSC code on BankZop — especially if your account was in a bank that underwent a merger in the last 5 years.

Fino Payments Bank IFSC Codes Across States

Fino Payments Bank has a nationwide network with 85 IFSC-enabled branches registered on the RBI's NEFT/RTGS network. Here is the state-wise branch breakdown — click any state above to browse branches directly:

Branch counts reflect IFSC-enabled branches on the RBI NEFT/RTGS network as of Jun 2026. Data sourced from official RBI records.

To find IFSC codes for other banks, visit the IFSC Code Lookup homepage. For cheque-clearing and NACH codes, use the Fino Payments Bank MICR Code directory. For TDS challan codes, use the BSR Code Lookup. To plan loan repayments, try the free EMI Calculator.