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All India IFSC and MICR Codes Directory
Explore a comprehensive list of IFSC codes, MICR codes, and addresses for all bank branches across India. Whether you're looking for the verified IFSC code for smooth and secure NEFT, RTGS, or IMPS transactions, or simply need to find detailed information about a specific bank branch, we've got you covered. Our easy-to-use platform allows you to quickly locate accurate and up-to-date details about any bank branch in India, ensuring hassle-free banking for all your needs.
What is an IFSC Code?
IFSC (Indian Financial System Code) is a unique 11-character alphanumeric code that helps identify each bank branch in India. It is essential for online fund transfers such as NEFT, RTGS, and IMPS.
Where Can You Find It?
- Printed on your chequebook or passbook
- On your bank’s official website or the RBI portal
- Inside your net banking or mobile banking app
Why is IFSC Code Important?
It ensures your money is routed accurately and quickly during online transfers. Without it, your transaction will fail or get delayed.
Have Bank Mergers Affected IFSC Codes?
Yes, especially after major mergers like that of SBI with its associate banks. Always verify your branch's IFSC before initiating a transfer.
Need IFSC Instantly?
Use our IFSC Finder Tool to search by bank, state, district, and branch—fast and easy.
Format of IFSC Code
| Bank Code | 0 | Branch Code | ||||||||
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 |
What is MICR Code?
MICR (Magnetic Ink Character Recognition) is a 9-digit numeric code printed at the bottom of your cheque. It is used to identify the bank branch during cheque clearing and ensures speedy processing.
Where to Find MICR Code?
- Bottom of your cheque next to cheque number
- Printed in passbook or bank statement
IFSC vs MICR – Key Differences
| Feature | IFSC | MICR |
|---|---|---|
| Used For | Online Transfers | Cheque Clearance |
| Format | 11-character alphanumeric | 9-digit numeric |
How to Verify an IFSC Code?
- Visit RBI's official website
- Search using our IFSC Tool
- Check your bank's latest documents (chequebook/passbook)
Common Mistakes to Avoid
- Using outdated IFSC code after bank mergers
- Confusing O (letter) with 0 (zero)
- Selecting wrong branch code
Security Tips
- Use IFSC only on trusted platforms
- Don’t share sensitive banking info with unknown sources
- Cross-check IFSC before making large transfers
Benefits of Using IFSC Code
- Safe Transfers: Prevents funds from going to the wrong account
- Transparent: Allows RBI to track all digital transactions
- Essential: Mandatory for NEFT, RTGS, IMPS
How to Use IFSC for Fund Transfer
- Step 1: Login to net banking or mobile banking
- Step 2: Add beneficiary with name, account number & IFSC
- Step 3: Choose NEFT / RTGS / IMPS & proceed
- Step 4: Verify using OTP and complete the transfer
IFSC-Based TransferOptions
NEFT (National Electronic Funds Transfer)
Used for scheduled fund transfers during banking hours. Works in hourly batches. No minimum limit.
RTGS (Real-Time Gross Settlement)
High-value, real-time fund transfers. Minimum amount is ₹2 lakhs. Ideal for bulk or urgent payments.
IMPS (Immediate Payment Service)
Available 24x7, including holidays. Best for small and quick transfers (₹1 to ₹5 lakhs).
