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IFSC Code Finder - Search Indian Bank IFSC, MICR Codes

IFSC Code How to find ?

You can track the IFSC code of India by 4 steps as follows...
  1. Select your bank from the 1st drop-down list
  2. Select your state from the 2nd drop-down list
  3. Select your district from the 3rd drop-down list
  4. Select the branch of your bank from the 4th drop-down list
  • Bank
  • State
  • District
  • Branch

  • Some bank names start with the word "THE", please check the complete bank name list. Are you facing any problem to find bank name here?, then visit the IFSC Code List.


  • What is an IFSC Code?

    The Indian Financial System Code (IFSC) is an 11-character unique identifier assigned by the Reserve Bank of India (RBI) to bank branches participating in online fund transfer systems such as RTGS (Real-Time Gross Settlement), NEFT (National Electronic Fund Transfer), and IMPS (Immediate Payment Service).

    🔹 Structure of an IFSC Code:

    • First 4 characters: Represent the bank name (e.g., HDFC for HDFC Bank).
    • Fifth character: Always ‘0’, reserved for future use.
    • Last 6 characters: Represent the specific branch identifier.

    🔹 How to Find an IFSC Code?

    • Printed on cheque books and bank passbooks.
    • Available on the RBI website and bank websites.
    • Search via trackbankifsc.com by selecting the bank, state, district, and branch.

    🔹 Why is IFSC Important?

    • Essential for secure and error-free online transactions.
    • Used for verifying bank details before transferring funds.
    • Helps in identifying the correct branch of a bank.

    ✅ Pro Tip: Always verify the IFSC Code before sending money to avoid failed transactions or incorrect transfers.

  • What is a MICR Code?

    Magnetic Ink Character Recognition (MICR) is a 9-digit code used in banking for secure and automated cheque processing under the Electronic Clearing System (ECS).

    🔹 Structure of a MICR Code:

    • First 3 digits – Represent the city code (aligned with PIN codes).
    • Middle 3 digits – Represent the bank code.
    • Last 3 digits – Represent the specific branch code.

    🔹 Where Can You Find a MICR Code?

    • Printed at the bottom of cheque leaves.
    • Available on the first page of your passbook.

    🔹 Why is MICR Important?

    • Speeds up cheque clearance using MICR-enabled scanners.
    • Reduces errors in processing and ensures quick verification.
    • Used for ECS transactions, salary processing, and automatic bill payments.

    ✅ 2025 Update: Many banks are shifting to digital cheque clearing (DCC), reducing reliance on MICR for faster settlement cycles.

  • What is NEFT (National Electronic Funds Transfer)?

    NEFT is an RBI-regulated electronic payment system that enables secure interbank fund transfers across India.

    🔹 Key Features of NEFT:

    • ✅ Available 24x7, 365 days a year.
    • ✅ No minimum or maximum transfer limit.
    • ✅ Transactions processed in batches every 30 minutes.
    • ✅ Requires beneficiary details – Name, Account Number, IFSC Code, and Bank Name.

    🔹 How to Use NEFT for Fund Transfers?

    1. Login to net banking/mobile banking and select NEFT Transfer.
    2. Enter beneficiary details and amount to transfer.
    3. Authenticate the transaction via OTP or net banking PIN.

    🔹 Why Choose NEFT?

    • ✅ Ideal for small to medium-sized transactions.
    • ✅ Lower transaction fees compared to other modes.
    • ✅ Secure and regulated by RBI.

    ✅ 2025 Update: RBI has introduced same-day settlements for NEFT transactions initiated before 12 PM IST.

  • What is IMPS (Immediate Payment Service)?

    IMPS is an instant electronic fund transfer system regulated by the National Payments Corporation of India (NPCI).

    🔹 Key Features of IMPS:

    • ✅ Instant fund transfers, available 24x7 including bank holidays.
    • ✅ Supports multiple platforms – Mobile banking, Internet banking, ATM, and bank branches.
    • ✅ Requires beneficiary details – Account Number & IFSC Code OR Mobile Number & MMID (Mobile Money Identifier).
    • ✅ Transaction limits vary based on bank policies.

    🔹 Why Use IMPS?

    • ✅ Fastest way to transfer funds within India.
    • ✅ Available on mobile apps and UPI-integrated platforms.
    • ✅ Works even on weekends and public holidays.

    ✅ Pro Tip: If you're sending money to a mobile number, ensure the recipient is registered for IMPS Mobile Banking.

  • What is RTGS (Real-Time Gross Settlement)?

    RTGS is a high-value fund transfer system where transactions are processed individually in real-time without batch processing.

    🔹 Key Features of RTGS:

    • ✅ Minimum transaction amount – ₹2 lakhs (no upper limit).
    • ✅ Funds credited within 30 minutes.
    • ✅ Available 24x7, including weekends and bank holidays.
    • ✅ Requires beneficiary details – Name, Account Number, IFSC Code, and Bank Name.

    🔹 Why Choose RTGS?

    • ✅ Ideal for high-value transactions (e.g., property purchase, business payments).
    • ✅ Highly secure and RBI-regulated.
    • ✅ No transaction risk as funds are settled immediately.

    ✅ 2025 Update: RBI has mandated faster processing times for RTGS, reducing settlement delays.

  • FAQs (Frequently Asked Questions)


    ❓ What is the Difference Between NEFT, RTGS, and IMPS?

    Feature NEFT RTGS IMPS
    Settlement Batch-wise (every 30 min) Real-time Instant
    Availability 24x7 24x7 24x7
    Minimum Transfer ₹1 ₹2 lakhs ₹1
    Maximum Transfer No limit No limit Varies by bank
    Best For Small to medium transactions High-value transactions Urgent transfers

    ❓ What Happens if I Enter the Wrong IFSC Code?

    • If the IFSC does not match a valid branch, the transaction fails and funds are reversed.
    • If the IFSC is valid but linked to the wrong branch, funds may be sent to the wrong account. Always verify before sending.

    ❓ How Can I Check My Bank’s MICR Code?

    • Check the bottom of your cheque.
    • View the first page of your passbook.
    • Use your bank’s official website or customer service.

    ❓ Is UPI Replacing NEFT, RTGS, and IMPS?

    • No, but UPI is gaining popularity due to its ease of use.
    • NEFT & RTGS are still essential for businesses and large transactions.

    ✅ Pro Tip: For instant personal payments, use UPI or IMPS. For secure, high-value transactions, use RTGS.

Best 23 indian banks

  1. Axis Bank
  2. Bank Of Baroda
  3. Bank Of India
  4. Canara Bank
  5. Central Bank Of India
  6. Export Import Bank Of India
  7. Federal Bank
  8. Hdfc Bank
  9. Icici Bank Limited
  10. Idbi Bank
  11. Idfc First Bank Ltd
  12. Indian Overseas Bank
  13. Indusind Bank
  14. Karur Vysya Bank
  15. Kotak Mahindra Bank Limited
  16. Punjab National Bank
  17. Rbl Bank Limited
  18. Reserve Bank Of India
  19. South Indian Bank
  20. State Bank Of India
  21. Union Bank Of India
  22. United Bank Of India
  23. Yes Bank
See Details

You should know

Indian Financial System Code (IFSC) is a unique 11-digit code allocated by Reserve Bank of India ...
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Magnetic Ink Character Recognition (MICR) may be a printing technology utilized in the banking system to print the MICR code...
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National Electronic Funds Transfer (NEFT) is a fund transfer process available with Reserve Bank of India (RBI)...
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Immediate Payment System (IMPS) is an electronic fund transfer system operated by the National Payments Corporation of India (NPCI) ...
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Real Time Gross Settlement (RTGS) is an electronic fund transfer system which is used to transfer money from one bank account to another...
Read more

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