Free IFSC lookup — all Indian banks

IFSC Code Finder

Search any IFSC code to instantly get the bank name, branch address, and payment service support across all Indian banks.

What is an IFSC code?

IFSC stands for Indian Financial System Code — an 11-character alphanumeric code assigned by the Reserve Bank of India to every bank branch that participates in electronic fund transfers. You need an IFSC code whenever you make an NEFT, RTGS, or IMPS transfer to another bank account.

The code is structured as: the first 4 characters identify the bank (e.g. SBIN for State Bank of India), the 5th character is always 0 (reserved for future use), and the last 6 characters identify the specific branch.

NEFT vs RTGS vs IMPS — what's the difference?

All three are electronic fund transfer methods in India, but they differ in speed, limits, and availability. IMPS is the fastest — available 24×7 with no minimum limit, ideal for urgent transfers up to ₹5 lakh. NEFT settles in batches (typically within 30 minutes on working days) and has no minimum transfer limit. RTGS is for large-value transfers (minimum ₹2 lakh) and settles in real time during banking hours.

UPI uses a VPA (Virtual Payment Address) instead of IFSC and account number, but the underlying settlement also uses IMPS infrastructure. Most day-to-day transfers in India now happen via UPI due to its simplicity.

Frequently asked questions

Where can I find my bank's IFSC code?
Your IFSC code is printed on your cheque book (on the MICR band at the bottom) and on your passbook. You can also find it in your bank's mobile app under account details, or by searching your bank branch name on the RBI's official website.
Is the IFSC code the same for all branches of a bank?
No. Each branch has a unique IFSC code. The first 4 characters are the same for all branches of a bank, but the last 6 characters differ per branch. Always use the IFSC code for your specific branch when setting up a fund transfer.
Can IFSC codes change?
Yes — IFSC codes can change when banks merge. After the SBI associate bank mergers and the Bank of Baroda–Vijaya–Dena merger, some old codes were retired. Always verify the IFSC code before initiating a transfer, especially if your bank went through a merger recently.
What happens if I enter the wrong IFSC code?
If the IFSC code doesn't exist, the transfer will be rejected by the bank and your money returned. If the IFSC is valid but belongs to a different branch, the transfer may go to the wrong branch — though the account number usually acts as a second check. Always double-verify both the IFSC and account number before confirming a transfer.