Find IFSC Code for Banks in India

List of  IFSC Code, MICR Code and Addresses of all Banks in India
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IFSC code

What is an IFSC Code?

IFSC (Indian Financial System Code) refers to a unique alpha-numeric eleven digit code assigned to each branch of a bank. The same is usually assigned by RBI to identify the bank/branch. IFSC code is used to identify beneficiary accounts and is used to transfer funds through NEFT, IMPS and RTGS.

How can I Find an IFSC code for a bank?

IFSC code of the bank's branch can be found on the Cheque book or Passbook. Updated list of the same can be also found online on RBI’s or the respective bank’s website.

What happens to IFSC code if my bank gets acquired or shut down?

In most of the cases when a bank gets acquired, the IFSC code of the bank’s branch gets changed. The same can be found updated on the respective bank’s website.
In such cases, it is often recommended to get a new Passbook & Cheque book reissued from the bank with the updated details. Also, it is advised to review the ECS mandates registered with old IFSC details in order to avoid any mandate failures and default of payments.
In case of shutdown of a bank’s branch, the IFSC code would no longer functional and usually fund transfers initiated with such code get reversed or failed.

When will the IFSC code change?

IFSC code changes when there is a closure or acquisition of a bank’s branch. For instance, when SBI merged all its subsidiaries , the IFSC codes of one of the subsidiary -State Bank of Hyderabad changed.
Example -
IFSC of SBH Hitechcity, Madhapur branch pre-merger : SBHY0021272
IFSC of SBH Hitechcity, Madhapur branch post-merger : ‎SBIN0021272

Can I transfer money through NEFT without IFSC code?

NEFT transfers requires the following details for fund transfer.

  • Account holder’s name
  • Account number
  • IFSC code
Without IFSC code, it is not possible to identify bank accounts and thus transfer money between different banks. However, within the same bank, it is still possible to transfer money without IFSC code.

What is the format of IFSC code?

IFSC is alpha-numeric and consists of 11 characters.
The first 4 characters identifies the bank.
5th character is ZERO
6th to 11th Characters are reserved for branch code/identification.
Example : ICICI Bank’s Domlur Branch in Bangalore has IFSC code - ICIC0002340.
ICIC   0   002340
Bank   Zero   Branch code

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