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IFSC Code Information

Indian Financial System Code (IFSC). It is used for electronic payment applications like Real Time Gross Settlement (RTGS), National Electronic Funds Transfer (NEFT), Immediate Payment Service, an interbank electronic instant mobile money transfer service (IMPS), and Centralised Funds Management System (CFMS) developed by Reserve Bank of India (RBI).


Code has eleven characters "Alpha Numeric" in nature.


First four characters represent bank, fifth character is default "0" left for future use and last six characters represent branch.


MICR Code: Magnetic Ink Character Recognition as printed on cheque book to facilitate the processing of cheques.

An IFSC (Indian Financial System Code) is an 11-character alphanumeric code used to uniquely identify a bank branch participating in the NEFT (National Electronic Funds Transfer) and RTGS (Real-Time Gross Settlement) systems in India.

An IFSC code consists of three parts: the first four characters represent the bank code, the fifth character is always '0' (reserved for future use), and the last six characters identify the specific branch.

IFSC codes are essential for facilitating electronic payments in India, ensuring that money is transferred accurately and securely to the correct bank branch. They help streamline NEFT, RTGS, and IMPS (Immediate Payment Service) transactions.

You can find the IFSC code on your bank's checkbook, bank statements, or by using an online IFSC code finder tool. It is also available on the Reserve Bank of India's official website.

No, for electronic fund transfers like NEFT, RTGS, or IMPS, the IFSC code is mandatory as it helps direct the payment to the correct bank branch.

No, each branch of a bank has a unique IFSC code to ensure precise identification and avoid errors in fund transfers.

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