IFSC Code: Find IFSC and MICR Codes for All Banks in India

Select Bank, State, District, City and Branch to find the IFSC code. Covers 1,78,000+ branches across 230+ banks.

1,78,000+
Branches
250+
Banks
36
States & UTs
Data sourced from Reserve Bank of India. Updated May 2026.

Enter 11-character IFSC code (e.g. HDFC0001234)

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ABHYUDAYA COOPERATIVE BANK LIMITEDAHMEDABAD MERCANTILE COOPERATIVE BANKAHMEDNAGAR MERCHANTS COOP BANK LTDAIRTEL PAYMENTS BANK LIMITEDAKOLA JANATA COMMERCIAL COOPERATIVE BANKALMORA URBAN COOPERATIVE BANK LIMITEDAMBARNATH JAIHIND COOP BANK LTD AMBARNATHAPNA SAHAKARI BANK LIMITEDARVIND SAHAKARI BANK LTDAU SMALL FINANCE BANK LIMITEDAUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITEDAXIS BANKB N P PARIBASBANDHAN BANK LIMITEDBANK OF AMERICABANK OF BAHARAIN AND KUWAIT BSCBANK OF BARODABANK OF CEYLONBANK OF CHINA LIMITED INDIA BRANCHBANK OF INDIABANK OF MAHARASHTRABARCLAYS BANKBASSEIN CATHOLIC COOPERATIVE BANK LIMITEDBHAGINI NIVEDITA SAHAKARI BANK LTD PUNEBHARAT COOPERATIVE BANK MUMBAI LIMITEDBOMBAY MERCANTILE COOPERATIVE BANK LTDCANARA BANKCAPITAL SMALL FINANCE BANK LIMITEDCENTRAL BANK OF INDIACHHATTISGARH RAJYA GRAMIN BANKCITI BANKCITIZEN CREDIT COOPERATIVE BANK LIMITEDCITY UNION BANK LIMITEDCOASTAL LOCAL AREA BANK LTDCREDIT AGRICOLE CORPORATE AND INVESTMENT BANK CALYON BANKCSB BANK LIMITEDCTBC BANK CO LTDDARUSSALAM CO OPERATIVE URBAN BANK LTDDBS BANK INDIA LIMITEDDCB BANK LIMITEDDEOGIRI NAGARI SAHAKARI BANK LTD. AURANGABADDEPOSIT INSURANCE AND CREDIT GUARANTEE CORPORATIONDEUTSCHE BANKDHANALAKSHMI BANKDMK JAOLI BANKDOHA BANK Q.P.S.CDOMBIVLI NAGARI SAHAKARI BANK LIMITEDDURGAPUR STEEL PEOPLES CO-OPERATIVE BANK LTDEMIRATES NBD BANK P J S CEQUITAS SMALL FINANCE BANK LIMITEDESAF SMALL FINANCE BANK LIMITEDEXPORT IMPORT BANK OF INDIAFEDERAL BANKFINO PAYMENTS BANKFIRST ABU DHABI BANK PJSCG P PARSIK BANKGS MAHANAGAR CO-OPERATIVE BANK LIMITED,MUMBAIGUARDIAN SOUHARDA SAHAKARI BANK NIYAMITAHARYANA STATE COOPERATIVE BANKHDFC BANKHIMANCHAL PRADESH STATE COOPERATIVE BANK LTDHSBC BANKHUTATMA SAHAKARI BANK LTDICICI BANK LIMITEDIDBI BANKIDFC FIRST BANK LTDINDIA POST PAYMENT BANKINDIAN BANKINDIAN OVERSEAS BANKINDUSIND BANKINDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITEDINDUSTRIAL BANK OF KOREAJALGAON JANATA SAHAKARI BANK LIMITEDJAMMU AND KASHMIR BANK LIMITEDJANA SMALL FINANCE BANK LTDJANAKALYAN SAHAKARI BANK LIMITEDJANASEVA SAHAKARI BANK BORIVLI LIMITEDJANASEVA SAHAKARI BANK LIMITEDJANATA SAHAKARI BANK LIMITEDJANATHA SEVA COOPERATIVE BANK LTDJIO PAYMENTS BANK LIMITEDJP MORGAN BANKJSC VTB BANKKALLAPPANNA AWADE ICHALKARANJI JANATA SAHAKARI BANK LIMITEDKALUPUR COMMERCIAL COOPERATIVE BANKKARNATAKA BANK LIMITEDKARNATAKA GRAMEENA BANKKARUR VYSYA BANKKEB HANA BANKKERALA GRAMIN BANKKOOKMIN BANKKOTAK MAHINDRA BANK LIMITEDMAHARASHTRA GRAMIN BANKMAHARASHTRA STATE COOPERATIVE BANKMAHESH SAHAKARI BANK LTD PUNEMASHREQBANK PSCMIZUHO BANK LTDMODEL COOPERATIVE BANK LTDMUFG BANK, LTDNAGPUR NAGARIK SAHAKARI BANK LIMITEDNATIONAL BANK FOR AGRICULTURE AND RURAL DEVELOPMENTNAV JEEVAN CO OP BANK LTDNKGSB COOPERATIVE BANK LIMITEDNONGHYUP BANKNSDL PAYMENTS BANK LIMITEDNUTAN NAGARIK SAHAKARI BANK LIMITEDPAVANA SAHAKARI BANK LTDPAY POINT INDIA NETWORK PRIVATE LIMITEDPAYTM PAYMENTS BANK LTDPHONEPE PRIVATE LIMITEDPRIME COOPERATIVE BANK LIMITEDPT BANK MAYBANK INDONESIA TBKPUNJAB AND SIND BANKPUNJAB NATIONAL BANKQATAR NATIONAL BANK Q.P.S.CRAJARAMBAPU SAHAKARI BANK LIMITEDRAJARSHI SHAHU SAHAKARI BANK LTD PUNERAJASTHAN GRAMIN BANKRAJGURUNAGAR SAHAKARI BANK LIMITEDRAJKOT NAGRIK SAHAKARI BANK LIMITEDRAJNANDGAON DISTRICT CENTRAL COOPERATIVE BANK LTDRBL BANK LIMITEDRESERVE BANK OF INDIASANT SOPANKAKA SAHAKARI BANK LTDSARASPUR NAGRIK CO OPERATIVE BANK LTD SARASPURSARASWAT COOPERATIVE BANK LIMITEDSATARA SAHAKARI BANK LTDSBER BANKSBM BANK INDIA LIMITEDSHIKSHAK SAHAKARI BANK LIMITEDSHINHAN BANKSHIVALIK SMALL FINANCE BANK LIMITEDSHREE KADI NAGARIK SAHAKARI BANK LIMITEDSHRI CHHATRAPATI RAJASHRI SHAHU URBAN COOPERATIVE BANK LIMITEDSHRI VEERSHAIV CO OP BANK LTDSIR M VISVESVARAYA CO OPERATIVE BANK LTDSLICE SMALL FINANCE BANK LIMITEDSMRITI NAGRIK SAHAKARI BANK MARYADITSOCIETE GENERALESOLAPUR JANATA SAHAKARI BANK LIMITEDSOUTH INDIAN BANKSREE CHARAN SOUHARDHA CO OPERATIVE BANK LTDSTANDARD CHARTERED BANKSTATE BANK OF INDIASUCO SOUHARDHA SAHAKARI BANK LTDSUMITOMO MITSUI BANKING CORPORATIONSURAT NATIONAL COOPERATIVE BANK LIMITEDSURYODAY SMALL FINANCE BANK LIMITEDSUTEX COOPERATIVE BANK LIMITEDTAMILNAD MERCANTILE BANK LIMITEDTELANGANA GRAMEENA BANKTELANGANA STATE COOP APEX BANKTHE A.P. MAHESH COOPERATIVE URBAN BANK LIMITEDTHE ADARSH COOPERATIVE URBAN BANK LIMITEDTHE AHMEDNAGAR DISTRICT CENTRAL COOPERATIVE BANK LTDTHE AJARA URBAN CO OP BANK LTD AJARATHE AKOLA URBAN COOPERATIVE BANK LIMITEDTHE AKOLA-WASHIM DISTRICT CENTRAL COOPERATIVE BANK LTD., AKOLATHE ANDHRA PRADESH STATE COOPERATIVE BANK LIMITEDTHE BANASKANTHA MERCANTILE COOPERATIVE BANK LTDTHE BANK OF NOVA SCOTIATHE BARAMATI SAHAKARI BANK LTDTHE BURDWAN CENTRAL CO OPERATIVE BANK LTDTHE CLEARING CORPORATION OF INDIA LIMITEDTHE COOPERATIVE BANK OF RAJKOT LIMITEDTHE COSMOS CO OPERATIVE BANK LIMITEDTHE DELHI STATE COOPERATIVE BANK LIMITEDTHE GADCHIROLI DISTRICT CENTRAL COOPERATIVE BANK LIMITEDTHE GAYATRI CO-OPERATIVE URBAN BANK LIMITEDTHE GREATER BOMBAY COOPERATIVE BANK LIMITEDTHE GUJARAT STATE COOPERATIVE BANK LIMITEDTHE HASTI COOP BANK LTDTHE JALGAON PEOPELS COOPERATIVE BANK LIMITEDTHE KALYAN JANATA SAHAKARI BANK LTD.THE KANGRA CENTRAL COOPERATIVE BANK LIMITEDTHE KANGRA COOPERATIVE BANK LIMITEDTHE KARAD URBAN COOPERATIVE BANK LIMITEDTHE KARNATAKA STATE COOPERATIVE APEX BANK LIMITEDTHE KERALA STATE CO OPERATIVE BANK LTDTHE KOLHAPUR URBAN CO OP BANK LTDTHE KURMANCHAL NAGAR SAHAKARI BANK LIMITEDTHE MALAD SAHAKARI BANK LTDTHE MEGHALAYA COOPERATIVE APEX BANK LTDTHE MEHSANA URBAN COOPERATIVE BANKTHE MUMBAI DISTRICT CENTRAL COOPERATIVE BANK LIMITEDTHE MUNICIPAL COOPERATIVE BANK LIMITEDTHE MUSLIM COOPERATIVE BANK LTDTHE NAINITAL BANK LIMITEDTHE NASIK MERCHANTS COOPERATIVE BANK LIMITEDTHE NAVNIRMAN COOPERATIVE BANK LIMITEDTHE NAWANAGAR COOPERATIVE BANK LTDTHE NILAMBUR CO OPERATIVE URBAN BANK LTD NILAMBURTHE ODISHA STATE CO-OPERATIVE BANK LTDTHE PANDHARPUR URBAN CO OP. BANK LTD. PANDHARPURTHE PUNJAB STATE COOPERATIVE BANK LTDTHE RAJASTHAN STATE COOPERATIVE BANK LIMITEDTHE SATARA DISTRICT CENTRAL COOPERATIVE BANK LTDTHE SHAMRAO VITHAL COOPERATIVE BANKTHE SINDHUDURG DISTRICT CENTRAL CO-OPERATIVE BANK LTD.THE SURAT DISTRICT COOPERATIVE BANK LIMITEDTHE SURATH PEOPLES COOPERATIVE BANK LIMITEDTHE TAMIL NADU STATE APEX COOPERATIVE BANKTHE THANE BHARAT SAHAKARI BANK LIMITEDTHE THANE DISTRICT CENTRAL COOPERATIVE BANK LIMITEDTHE UDAIPUR URBAN CO OPERATIVE BANK LTDTHE URBAN CO OPERATIVE BANK LTD NO ONE SEVEN FIVE EIGHT PERINTHALMANNATHE VARACHHA COOPERATIVE BANK LIMITEDTHE VIJAY CO OPERATIVE BANK LIMITEDTHE VISHWESHWAR SAHAKARI BANK LIMITEDTHE WEST BENGAL STATE COOPERATIVE BANKTHE ZOROASTRIAN COOPERATIVE BANK LIMITEDTJSB SAHAKARI BANK LTDTTC CO-OPERATIVE BANK LIMITEDTUMKUR GRAIN MERCHANTS COOPERATIVE BANK LIMITEDUBS AGUCO BANKUJJIVAN SMALL FINANCE BANK LIMITEDUNION BANK OF INDIAUNITED OVERSEAS BANK LIMITEDUNITY SMALL FINANCE BANK LIMITEDURBAN CO OPERATIVE BANK LTD BAREILLYUTKARSH SMALL FINANCE BANKUTTAR PRADESH COOPERATIVE BANKUTTARAKHAND STATE COOPERATIVE BANK LIMITEDVASAI JANATA SAHAKARI BANK LTDVASAI VIKAS SAHAKARI BANK LIMITEDVIKAS SOUHARDA CO OPERATIVE BANK LIMITEDWOORI BANKYES BANKZILA SAHAKRI BANK LIMITED GHAZIABAD

What is an IFSC Code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch participating in electronic fund transfer systems in India.

An IFSC code is required for all online money transfers including NEFT, RTGS and IMPS. You can find it on your chequebook, passbook or your bank's website.

IFSC Code Format

SBIN 0 001234
Bank Code Reserved Branch Code

Where to Find Your IFSC Code

Chequebook

Printed on every cheque leaf, usually near the MICR code at the bottom.

Bank Passbook

On the front page of your passbook alongside account details.

Internet Banking

Available in your account details or the beneficiary addition page.

RBI Website

The Reserve Bank of India publishes the official list of all IFSC codes.

NEFT, RTGS and IMPS: Which to Use?

All three payment systems use the IFSC code to route funds to the correct branch.

Feature NEFT RTGS IMPS
Settlement Batch (hourly) Real-time Instant
Availability 24x7 24x7 24x7 incl. holidays
Minimum Amount No minimum Rs 2 lakh Re 1
Maximum Amount No limit No limit Rs 5 lakh
Best for Everyday transfers Large business payments Urgent transfers
Charges Free (online/mobile)
Branch: Rs 2.50 – Rs 25		 Free (online/mobile)
Branch: Rs 25 – Rs 50		 Rs 0 – Rs 25
Varies by bank

Charges shown are indicative. Check with your bank for exact and latest applicable charges.

When Do You Need an IFSC Code?

IFSC codes are required for direct bank-to-bank transfers. Here are the most common situations:

UPI / GPay / PhonePe

You do not need IFSC for regular UPI payments. But when adding a bank account to a UPI app, the app will ask for your branch's IFSC code.

NEFT / RTGS Transfer

Always required. You must enter the recipient's IFSC code when adding them as a beneficiary in net banking for NEFT or RTGS transfers.

IMPS / Instant Transfer

Required when transferring using account number and IFSC (instead of mobile number). IMPS works 24x7 including bank holidays.

Salary / EMI / Mandate

Employers and lenders need your branch IFSC code to set up salary credits, loan EMI debits, or SIP mandates on your account.

IFSC Code vs MICR Code

IFSC Code

  • 11 characters (letters and numbers)
  • Used for online fund transfers
  • Required for NEFT, RTGS and IMPS
  • Assigned by the Reserve Bank of India
  • Example: SBIN0001234

MICR Code

  • 9 digits (numbers only)
  • Used for cheque clearing
  • Printed with magnetic ink on cheque leaf
  • Processed by MICR reading machines
  • Example: 110002009

Frequently Asked Questions

Common questions about IFSC codes, bank transfers and payment systems.

What is an IFSC code?

IFSC stands for Indian Financial System Code. It is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch in India. IFSC codes are required for NEFT, RTGS and IMPS transactions.

How many characters are in an IFSC code?

An IFSC code has 11 characters. The first 4 characters are letters identifying the bank (for example, SBIN for State Bank of India). The 5th character is always 0. The last 6 characters identify the specific branch.

Where can I find my IFSC code?

You can find your IFSC code on your chequebook (printed on each cheque leaf), on the front page of your bank passbook, on your internet banking welcome kit, or on your bank's official website. You can also search here by selecting your bank, state, district and city.

What is the difference between IFSC and MICR code?

IFSC is used for online fund transfers such as NEFT, RTGS and IMPS. It is an 11-character alphanumeric code. MICR (Magnetic Ink Character Recognition) is a 9-digit numeric code printed on cheques and is used for cheque processing and clearing. Both codes appear on your cheque leaf.

What is the difference between NEFT, RTGS and IMPS?

NEFT transfers are processed in batches and are available 24x7. There is no minimum transfer amount. RTGS is for high-value transfers of Rs 2 lakh or more and is settled in real time. IMPS is instant, available 24x7 including holidays, and supports transfers up to Rs 5 lakh per transaction.

Can I use any branch IFSC code for transactions?

No. You must use the IFSC code of the specific branch where the recipient holds their account. Using the wrong IFSC code will result in a failed or returned transaction. Each branch has its own unique IFSC code.

Does the IFSC code change if a bank merges?

Yes. When banks merge, the RBI issues new IFSC codes for the branches of the merged bank. For example, after the merger of several public sector banks, old IFSC codes were phased out and new codes were issued. Always verify the current IFSC code before making a transfer.

Do I need an IFSC code for UPI payments?

For regular UPI payments using apps like GPay, PhonePe or Paytm, you do not need to enter an IFSC code. UPI uses a Virtual Payment Address (VPA) such as name@upi. However, when you add a bank account to a UPI app or add a new beneficiary for NEFT or RTGS transfers, you will need to provide the IFSC code of the recipient's branch.

What is a SWIFT code and how is it different from IFSC?

A SWIFT code (also called BIC) is used for international wire transfers between banks across different countries. It is 8 to 11 characters long and identifies the bank and country. An IFSC code is used only for domestic transfers within India (NEFT, RTGS, IMPS). If you are sending money abroad or receiving a foreign remittance, ask your bank for the SWIFT code.

How long does an NEFT transfer take?

NEFT works on a batch settlement basis. Since December 2019, NEFT operates 24x7 including Sundays and bank holidays. Inter-bank NEFT transfers typically complete within 30 minutes to 2 hours depending on the settlement batch. Same-bank transfers are usually credited within minutes. If funds are not credited within 2 working days, contact your bank with the transaction reference number.

Is there a charge for NEFT, RTGS or IMPS transfers?

Following RBI directives in 2019 and 2020, most banks offer free NEFT and RTGS for transactions done via internet banking and mobile banking apps. Branch-based NEFT may still attract a charge of Rs 2.50 to Rs 25, and branch RTGS may cost Rs 25 to Rs 50, depending on the bank. IMPS charges vary: Rs 0 to Rs 25 per transaction depending on the bank and amount — many banks have voluntarily made IMPS free for digital customers. Always check your bank's current schedule of charges.

Can I find my IFSC code from my mobile banking app?

Yes. Open your bank's mobile banking app and navigate to Account Details or Account Summary. The IFSC code of your branch is displayed alongside the account number and branch name. You can also find it under Add Beneficiary where the app shows your own account's IFSC as a reference. Some apps display it prominently on the home screen.

What does the 5th character (zero) in an IFSC code mean?

The 5th character of every IFSC code is always the digit 0 (zero). This position is reserved by the Reserve Bank of India for future use and currently carries no additional routing information. The first 4 characters identify the bank, 0 is the fixed separator, and the last 6 characters uniquely identify the specific branch. For example, in SBIN0001234, SBIN is State Bank of India, 0 is reserved, and 001234 identifies the Mumbai main branch.

What happens if I enter the wrong IFSC code in a transfer?

If you enter an incorrect IFSC code during NEFT or RTGS, one of two outcomes is possible: (a) the transaction fails and the amount is returned to your account within 1–2 working days, or (b) in rare cases the funds reach the wrong branch. Always verify the recipient's full name, account number and IFSC code before confirming any transfer. If a transfer is credited to the wrong account, contact your bank immediately with the UTR number to initiate a recall.

Is the IFSC code the same for all branches of a bank?

No. Every bank branch has its own unique IFSC code, even within the same city. The first 4 characters identify the bank, but the last 6 characters are unique to each specific branch. For example, two SBI branches in the same city will share SBIN as the prefix but have different 6-character branch codes. Always use the IFSC code of the exact branch where the recipient holds their account.

How many bank branches are there in India?

As of early 2026, India has over 1,60,000 scheduled commercial bank branches, each with a unique IFSC code assigned by the Reserve Bank of India. Public sector banks like State Bank of India, Punjab National Bank and Bank of Baroda account for the largest share. Private sector banks, small finance banks, regional rural banks, cooperative banks and urban cooperative banks also participate in NEFT/RTGS/IMPS and have RBI-assigned IFSC codes.

What is a cancelled cheque and when is it needed?

A cancelled cheque is a cheque leaf on which you write CANCELLED diagonally. It cannot be used for payment. It is typically required when setting up ECS mandates for EMIs, SIP investments, salary accounts, insurance premium debits, and tax refund credits. The bank details printed on the cheque (IFSC code, MICR code, account number, branch name) help the receiving institution verify your bank account without requiring your signature.

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Last Updated: 05 April 2026. IFSC code data is sourced from the Reserve Bank of India (RBI) official database.