Find IFSC/MICR Code Listed Bank Name in Just minutes!
IFSC (Indian Financial system Code) is an eleven-digit (11) alphanumeric code that uniquely identifies all banks and their respective branches participating within the web funds transfer process. Or Enter IFSC Code to know Bank details.
Abhyudaya Co-operative Bank
Ahmedabad Mercantile Co-operative Bank
Ahmednagar Merchants Co-operative Bank
Airtel Payments Bank
The Akola Janata Commercial Co-operative Bank
Almora Urban Co-operative Bank
Ambarnath Jaihind Coop Bank Ltd
Andhra Pradesh Grameena Vikas Bank
Andhra Pragathi Grameena Bank
Apna Sahakari Bank Ltd
Arvind Sahakari Bank
AU Small Finance Bank
Austarlia and New Zealand Banking Gorup Ltd
Axis Bank
Bandhan Bank
Bank of America
Bank of Bahrein and Kuwait
Bank of Baroda
Bank Of Ceylon
Bank of India
Bank of Maharashtra
Barclays Bank
Bassein Catholic Co-operative Bank
Bhagini Nivedita Sahakari Bank Pune
Bharat Co-Op Bank (Mumbai) Ltd
BNP Paribas Bank
Bombay Mercantile Co-operative Bank
Canara Bank
Capital Small Finance Bank
Central Bank of India
Chhattisgarh Rajya Gramin Bank
CITI Bank
Citizen Credit Co-operative Bank
City Union Bank
Coastal Local Area Bank Limited
Credit Agricole Corporate and Investment Bank
Credit Suisse Ag
Catholic Syrian Bank Ltd
Chinatrust Commercial Bank
Darussalam Co-operative Urban Bank
Dbs Bank Ltd
DCB Bank
Deogiri Nagari Sahakari Bank Aurangabad
Deposit Insurance and Credit Guarantee Corporation
Deutsche Bank
Dhanlaxmi Bank
Dmk Jaoli Bank
Doha Bank QSC
Dombivli Nagari Sahakari Bank
Durgapur Steel Peoples Co-operative Bank
Emirates NBD Bank
Equitas Small Finance Bank
Esaf Small Finance Bank
Export Import Bank of India
Federal Bank
Fincare Small Finance Bank Ltd
Fino Payments Bank
National Bank of Abu Dhabi
Firstrand Bank
Gopinath Patil Parsik Janata Sahakari Bank
Mahanagar Co-operative Bank
Guardian Souharda Sahakari Bank Niyamita
Haryana State Co-operative Apex Bank
HDFC Bank
Himachal Pradesh State Co-operative Bank
HSBC Bank Oman S.A.O.G
Hutatma Sahakari Bank
ICICI Bank
IDBI
IDFC FIRST Bank
India Post Payment Bank
Indian Bank
Indian Overseas Bank
Indusind Bank
Industrial and Commercial Bank of China Ltd.
Industrial Bank of Korea
Irinjalakuda Town Co-Operative Bank Ltd
Jalgaon Janata Sahkari Bank Ltd
Jammu and Kashmir Bank
Jana Small Finance Bank
Janakalyan Sahakari Bank
Janaseva Sahakari Bank (Borivli)
Janaseva Sahakari Bank Ltd Pune
Janata Sahakari Bank (Pune)
Janatha Seva Co-operative Bank
Jio Payments Bank Limited
JP Morgan Chase Bank NA
Kallappanna Awade Ich Janata S Bank
Kalupur Commercial Co-operative Bank
Kalyan Janata Sahakari Bank
Karnataka Bank
Karnataka Gramin Bank
Karnataka Vikas Grameena Bank
Karur Vysya Bank
KEB Hana Bank
Kerala Gramin Bank
Kookmin Bank
Kotak Mahindra Bank
Maharashtra Gramin Bank
Maharashtra State Co-operative Bank
Mahesh Sahakari Bank Limited Pune
Mashreq Bank Psc
Mizuho Bank
Model Co-Op bank ltd
MUFG Bank
Nagpur Nagarik Sahakari Bank
National Bank for Agriculture and Development
Nav Jeevan Co-operative Bank
New India Co-operative Bank
Nkgsb Co-Op Bank Ltd
North East Small Finance Bank
NSDL Payments Bank
Nutan Nagarik Sahakari Bank
Pavana Sahakari Bank
Paytm Payments BankPaytm Payments Bank
Prime Co-Operative Bank Ltd
PT Bank Maybank Indonesia TBK
Punjab And Sind Bank
Punjab National Bank
Qatar National Bank
Rabobank International (CCRB)
Rajarambapu Sahakari Bank
Rajarshi Shahu Sahakari Bank
Rajasthan Marudhara Gramin Bank
Rajgurunagar Sahakari Bank
Rajkot Nagarik Sahakari Bank Ltd
Rajnandgaon District Central Co-operative Bank
RBL Bank
Reserve Bank of India
Samarth Sahakari Bank
Sant Sopankaka Sahakari Bank
Saraspur Nagrik Co-operative Bank
Saraswat Co-operative Bank
Satara Sahakari Bank Ltd
Saurashtra Gramin Bank
SBER Bank
SBM Bank
Prathamik Shikshak Sahakari Bank
Shinhan Bank
Shivalik Small Finance Bank
Shree Kadi Nagarik Sahakari Bank
Shri Chhatrapati Rajashri Shahu Urban Co-operative
Shri Veershaiv Co Op Bank Ltd
Sir M Visvesvaraya Co-operative Bank
Smriti Nagrik Sahakari Bank
Societe Generale
The Solapur Janata Sahkari Bank Ltd.
South Indian Bank
Sree Charan Souhardha Co-operative Bank
Standard Chartered Bank
State Bank of India
Suco Souharda Sahakari Bank
Sumitomo Mitsui Banking Corporation
Surat National Co-operative Bank
Suryoday Small Finance Bank
Sutex Co-operative Bank
Tamilnad Mercantile Bank
Telangana State Co-operative Apex Bank
Textile Traders Co-operative Bank
A.P. Mahesh Co-operative Urban Bank
Ahmednagar District Central Co-operative Bank
The Ajara Urban Co op Bank Ltd Ajara
The Akola District Central Co-operative Bank
Akola Urban Co-operative Bank
The Andhra Pradesh State Co-op Bank Ltd.
Banaskantha Mercantile Co-operative Bank
Bank Of Nova Scotia
Baramati Sahakari Bank
Burdwan Central Co-operative Bank
Cosmos Co-operative Bank
The Delhi State Co-operative Bank Ltd.
The Gadchiroli District Central Co-operative Bank 
Greater Bombay Co-Op Bank Ltd
Gujarat State Co-operative Bank
HASTI Co-operative Bank
The Jalgaon Peoples Co-op Bank
Kangra Central Co-operative Bank
The Kangra Co-Operative Bank Ltd.
The Karad Urban Co-Op Bank Ltd
Karnataka State Co-operative Apex Bank
Kerala State Co-operative Bank
Kolhapur Urban Co-operative Bank
Kurmanchal Nagar Sahakari Bank Ltd
Malad Sahakari Bank
Meghalaya Co-operative Apex Bank
Mehsana Urban Co-Op Bank Ltd
Mumbai District Central Co-operative Bank
The Municipal Co-Operative Bank Ltd. Mumbai
Muslim Co-operative Bank
Nainital Bank
Nasik Merchants Co-operative Bank
Navnirman Co-operative Bank
Nawanagar Co-operative Bank
Nilambur Co-operative Urban Bank
Odisha State Co-operative Bank
Pandharpur Urban Co-operative Bank
Punjab State Co-operative Bank
Pusad Urban Co-operative Bank
Rajasthan State Co-operative Bank
Satara District Central Co-operative Bank
Shamrao Vithal Co-Op Bank Ltd
Sindhudurg District Central Co-operative Bank
Surat District Co-operative Bank
Surat People's Co-operative Bank
Tamilnadu State Apex Co-operative Bank
Thane Bharat Sahakari Bank Ltd
Thane District Central Co-operative Bank
The Udaipur Urban Cooperative Bank Limited
The Urban Cooperative Bank Limited
Varachha Co-operative Bank
The Vijay Co Operative Bank Limited
The Vishweshwar Sahakari Bank Ltd Pune
West Bengal State Co-operative Bank
Zoroastrian Co-operative Bank
TJSB Sahakari Bank
Tumkur Grain Merchant's Co-operative Bank
UCO Bank
Ujjivan Small Finance Bank
Union Bank of India
United Overseas Bank
Urban Co-operative Bank Bareilly
Utkarsh Small Finance Bank
Uttar Pradesh Co-operative Bank
Vasai Janata Sahakari Bank Limited
Vasai Vikas Sahakari Bank Ltd
Woori Bank
Yes Bank
Zila Sahakari Bank GhaziabadWhat is an IFSC Code?
The IFSC is an 11-character code used in India for electronic transfers, given by the RBI. It pinpoints each bank branch, ensuring safe transactions. Essential for NEFT, RTGS, and IMPS, the code's first four letters show the bank's name, and the last six the branch. It's vital for accurate online money transfers.
Key Features of IFSC Code
In the table below, we've detailed the important features of the IFSC Code that you should be familiar with
Transaction Oversight
Enables RBI to monitor all banking activities.
Unique ID
Provides distinct identification for banks and branches.
Error Reduction
Minimizes potential mistakes in online transactions.
Error Reduction
Minimizes potential mistakes in online transactions.
Bank IFSC Code Format
The IFSC Code is a unique 11-character code used to identify individual bank branches in India. It's essential for electronic fund transfers. The format is as follows:
- First 4 characters - Represent the bank's code (e.g., 'SBIN' for State Bank of India).
- 5th character - Always a '0', reserved for future use.
- Last 6 characters - Denote the specific branch code.
Discovering the IFSC Code: Methods and Tips
When you need to find an IFSC code for your bank branch, here's how to simplify the process:
- Check Your Cheque Book - The IFSC code is often printed on the cheque leaves provided by your bank. Look for it on any of your checks.
- Customer Service - Contact your bank's customer service through phone or email. They can provide you with the IFSC code for your specific branch.
- Use RBI's Website - The RBI maintains a full list of IFSC codes for all Indian banks on its website, making it easy to locate your bank branch code.
- Ask Your Bank - When all else fails, visit your bank's nearest branch in person. The bank staff can assist you in locating the correct IFSC code.
- Check Passbook - If you have a passbook, the IFSC code is often printed on the front or inside cover. Check it for reference.
How does the IFSC Code work
The IFSC Code is crucial for electronic fund transfers in India. This 11-character code identifies bank branches, with the first four indicating the bank's name, the fifth character typically being '0', and the last six specifying the branch. Regulated by the RBI, it ensures accuracy in online transactions like NEFT, RTGS, or IMPS. Entering the correct IFSC Code is vital for secure and efficient digital banking, directing funds accurately to the recipient's branch.
What is a MICR Code?
MICR (Magnetic Ink Character Recognition) is a 9-digit code found on a bank's check and account holder's passbook, used to identify a specific branch in the Electronic Clearing System (ECS).
Key Features of MICR Code
Here are the key features of the MICR (Magnetic Ink Character Recognition) Code presented
| Feature | Description |
|---|---|
| Format | 9-digit code with city, bank, and branch info |
| Machine-Readable | Easily scanned by specialized MICR machines |
| Reduces Errors | Minimizes mistakes in cheque and document processing |
| ECS Participation | Used for Electronic Clearing System transactions |
| Magnetic Ink Printing | Typically printed at the bottom of financial documents |
| Bank and Branch Identity | Identifies specific banks and their branches |
Bank MICR Code Format
The MICR (Magnetic Ink Character Recognition) Code format consists of nine digits, organized as follows:
- The first three digits represent the city code.
- The next three digits represent the bank code.
- The final three digits represent the branch code.
The 9-digit MICR code identifies ECS banks and branches. It's printed in magnetic ink on cheques and documents for efficient machine processing.
MICR Code: Where to Find It
Finding your MICR (Magnetic Ink Character Recognition) Code is important for banking. Here's where you can find it:
| Location | Description |
|---|---|
| On Cheques | Typically printed at the bottom, on the left-hand side, just before the account number. A series of nine digits in magnetic ink. |
| On Passbooks | Often found within your passbook, near your account details, or on the front or back cover. |
| Online Banking | Accessible through your bank's online portal, usually in your account details or settings. |
| Bank Statements | Occasionally present on detailed bank statements along with your account information. |
| Contacting Your Bank | If unable to locate, you can contact your bank's customer service for the MICR code of your specific branch. |
Understanding How MICR Code Works
The MICR (Magnetic Ink Character Recognition) line on checks ensures precise and secure processing. Here's how it operates:
- Special Ink - MICR lines are printed using magnetic ink that contains tiny iron particles.
- Machine Reading - Banks use machines with magnetic sensors to read the MICR line.
- Character Interpretation - Banks use machines with magnetic sensors to read the MICR line.
- Data Extraction - The MICR line typically contains essential information like account numbers, check numbers and routing details.
- Accuracy - This information is crucial for accurately routing funds and minimizing errors in banking transactions.
- Security - The MICR system is secure and difficult to counterfeit, enhancing the overall safety of the banking process.
Key Distinctions Between IFSC Code and MICR Code
The table below outlines the distinctions between the IFSC Code and MICR Code:
| Aspect | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Purpose | Identifies specific bank branches for electronic fund transfers | Ensures accurate processing of checks |
| Length | 11 characters (alphanumeric) | 9 digits (numeric) |
| Location | Found on checks, bank's website, and RBI's website | Printed on the bottom of checks and passbooks |
| Composition | First 4 characters represent bank name, next 6 identify branch, and the last character is '0' | Contains information about bank branch location |
| Regulation | Regulated and assigned by the Reserve Bank of India | Standardized format, regulated by RBI |
| Usage | Required for online fund transfers (NEFT, RTGS, IMPS) | Vital for check processing and clearing |
| International Usage | Limited to domestic transactions in India | Primarily used within the country |
| Security | Ensures secure online fund transfers | Ensures secure online fund transfers |
What is an IMPS
IMPS, or Immediate Payment Service, is a quick money transfer method in India. It lets people send and receive money instantly, anytime, using their phones or online banking. Unlike some other methods, IMPS works 24/7, making it super convenient.
Key Benefits of IMPS
Instant Transfers - IMPS ensures real-time money transfers, allowing beneficiaries to access funds without any delay.
- Instant Transfers - Enables real-time money transfers without delays.
- 24x7 Service - Available for transactions anytime, including weekends and holidays.
- Interbank Transfer - Effortlessly transfer money between different banks.
- Secure Transactions - Advanced security measures ensure safe and protected transfers.
- Versatility - Suitable for various payments, from fund transfers to bill payments.
What is NEFT
NEFT (National Electronic Funds Transfer) - It's a system in India that lets people send money from one bank to another. You can use it during the bank's working hours. It might take some time for the money to reach, usually a few hours. It's safe and used by many people to transfer money.
Key Benefits of NEFT
- Nationwide Access - Connects all major banks in India.
- Secure - Ensures safe money transfers.
- Batch Processing - Transfers money in fixed intervals during bank hours.
- Affordable - Minimal transaction charges.
- Prompt Alerts - Instant notifications upon successful transfers.
What is a UPI?
UPI (Unified Payment Interface) - is a mobile payment method that lets you send money between bank accounts instantly and for free. Users need a unique UPI ID to transfer funds. In apps like Paytm, you can send money using the receiver's contact number instead of their UPI ID. To confirm a transfer, you'll need a 4 or 6-digit UPI PIN, which you can set yourself.
Key Benefits of UPI
- Instant Transactions - UPI ensures real-time money transfers, making digital transactions quick and efficient.
- No Fees - Users enjoy cost-effective transactions without additional charges, promoting digital payments.
- Simple UPI ID - A unique ID replaces complex bank details, streamlining the payment process.
- Multiple App Support - MUPI's compatibility with various apps offers users a choice and flexibility.
- High Security - With a mandatory UPI PIN for transactions, user funds and details are safeguarded.
What is an RTGS?
RTGS (Real Time Gross Settlement) is a banking system used in India for transferring large amounts of money in real time from one bank to another. Unlike other methods that process transactions in batches, RTGS processes each transaction individually, ensuring immediate settlement. It's primarily used for high-value transactions and operates during specific bank working hours.
Key Benefits of RTGS
- Real-Time Transfers - Money is transferred instantly, ensuring quick settlements.
- No Upper Limit - Suitable for very large transactions without any maximum cap.
- Highly Secure - Overseen by the Reserve Bank of India, ensuring utmost safety.
- Banking Hours Operation - Functions during specific bank hours, providing a structured window.
- Individual Processing - Each transaction is settled separately, not batched with others.
- Nationwide Coverage - Available across all major banks in India.
- Immediate Confirmation - Senders and receivers get instant notifications.
- Reduced Risk - Real-time settlement minimizes transactional risks.
- Efficiency - - Streamlines the process for large-value transactions.
- Transparency - Clear fee structures and transaction details provided by banks
Difference between IMPS, IMPS, UPI, and RTGS
Here's a brief overview comparing NEFT, IMPS, RTGS, and UPI and their main differences
| Location | NEFT | IMPS | UPI | RTGS |
|---|---|---|---|---|
| Parameter | RBI | NPCI | NPCI | RBI |
| Settlement Type | Funds are transferred in batches during specific hours. | Immediate transfers, ensuring quick access to funds. | Instantaneous, allowing for real-time money movement. | Real-time, individual transaction processing. |
| Minimum Transfer | ₹1, suitable for small to large transactions. | ₹5, designed for quick, small transfers. | ₹1, offering flexibility for both small and large payments. | Typically for high-value transactions, often starting from ₹2 lakhs. |
| Maximum Transfer | No upper limit, making it ideal for large amounts. | Capped at ₹5 lakh, catering to most standard transactions. | Limited to ₹2 lakh, balancing speed and security. | No upper limit, ideal for very large transfers. |
| Payment Options | Both online and offline modes available. | Primarily online, ensuring 24/7 accessibility. | Predominantly online, with some offline options like UPI 123PAY. | Mainly online, requiring internet banking facilities. |
| Timings | Operates in batches, but available 24/7. | Round-the-clock service, even on holidays. | 24/7/365 availability, ensuring uninterrupted service. | Operates during specific bank working hours. |
| Unique Features | Requires bank details and IFSC for transactions. | Uses MMID along with mobile number for transfers. | Simplified with UPI ID or QR code; no need to add beneficiaries like in NEFT or IMPS. | Real-time settlement, primarily for high-value transactions. |
What is a SWIFT?
The Society for Worldwide Interbank Financial Telecommunication (SWIFT) provides a unique 8-to-11-character code, often called the Bank Identifier Code (BIC). Every bank possesses its distinct SWIFT code, revealing its name, place, and specific branch. The initial 4 characters represent the bank, the subsequent 2 show the country, the next 2 denote the city, and the final 3 (which are optional) pinpoint the bank's branch. These codes get the nod from the International Organisation for Standardisation (ISO).
Bank SWIFT Code Format
In the following points, we Explained the SWIFT code format
- SWIFT Code Length - It's an 8 or 11-character code.
- Bank Identifier - The first 4 letters represent the bank's name.
- Country Code - The next 2 letters are based on the ISO 3166-1 alpha-2 country code.
- City/Location Code - Following the country code, the next 2 characters identify the city or location of the bank.
- Branch Code (Optional) - The last 3 characters can specify a particular branch of the bank. If not provided, it generally refers to the bank's primary office.
- Purpose - These codes help in identifying banks, especially during international money transfers. They ensure that funds are sent to the correct bank and branch.
How to Find SWIFT Code
Below are the methods to help you find the SWIFT Code
- Statement - Your bank statement often contains the SWIFT code, especially if you've received international payments.
- Online Directories - There are dedicated websites, such as BankSwiftCode.org or Swift.com, where you can search for SWIFT codes using the bank's name and country.
- Mobile Banking App - Modern banking apps often have a dedicated section or information page where they list their SWIFT code.
- Contact Your Bank - If in doubt, the most straightforward method is to call or visit your bank's local branch and request the SWIFT code.