IFSC Code Search Find Any Bank Branch in India

IFSC (Indian Financial System Code) is an 11-character alphanumeric code that uniquely identifies a bank branch in India. It is used for electronic fund transfers through NEFT, RTGS, and IMPS. The first 4 characters represent the bank, the 5th is always 0, and the last 6 identify the specific branch.

You can find your IFSC code on: your bank cheque book (printed on the cheque leaf), bank passbook (first or last page), the bank's official website, the RBI website, net banking or mobile banking app, or using the MoneyKarma IFSC search tool on this page.

An IFSC code has 11 characters: Characters 1-4 represent the bank (e.g., SBIN for SBI, HDFC for HDFC Bank). Character 5 is always 0 (reserved for future use). Characters 6-11 identify the specific branch. Example: SBIN0001234 means SBI, Branch 001234.

IFSC (11 characters) is used for electronic transfers like NEFT, RTGS, and IMPS. MICR (9 digits) is used for cheque processing and clearance. Both are unique to each bank branch but serve different purposes — IFSC for digital payments, MICR for physical cheques.

Yes, IFSC codes change after bank mergers. The acquired bank's codes are replaced with the acquiring bank's codes over a transition period of 1-2 years. For example, after the SBI merger with associate banks, old codes were replaced with SBIN prefix codes. Always verify your IFSC code if your bank has recently merged.

Old IFSC codes may work during the transition period after a merger, but it is strongly recommended to use the updated IFSC code. Using an old code may result in failed or delayed transactions. Banks and RBI typically announce code changes well in advance.

IFSC codes are used for all electronic fund transfers in India: NEFT (National Electronic Funds Transfer) for regular transfers, RTGS (Real Time Gross Settlement) for high-value instant transfers above ₹2 lakh, IMPS (Immediate Payment Service) for instant 24x7 transfers, and UPI transactions that route through bank branches.