IFSC Codes

IFSC CODE: Indian Financial System Code

IFSC, expanded as Indian Financial System Code, is a unique 11-digit alphanumeric code that is used for online fund transfer transactions done via NEFT, RTGS and IMPS. Bank IFSC code can be usually found on the cheque leaf issued by the bank. All these codes are assigned to banks by the Reserve Bank of India (RBI) and one can find IFSC codes of all banks and branches on the RBI website. Net banking transactions for fund transfer, using any of the wire transfer modes, cannot be initiated without a valid IFSC.

Banks generally do not revise/change or update this 11-digit key unless there is some kind of reorganisation or merger. This was the case with the State Bank of India (SBI) that recently changed IFSC codes of branches across the country after it merged with 5 associate banks and one other bank.

IFSC Code : Some Key Features

  • Helps uniquely identify a specific bank branch
  • Helps eliminate errors in the fund transfer process
  • Used for all electronic payment options such as NEFT, RTGS and IMPS

Below is the list of All Banks with their IFSC Codes :


Abhyudaya Cooperative Bank
Abu Dhabi Commercial Bank
Aditya Birla Idea Payments Bank
Ahmedabad Mercantile Cooperative Bank
Airtel Payments Bank Limited
Akola Janata Commercial Cooperative Bank
Allahabad Bank
Almora Urban Co-Operative Bank ltd
Ambarnath Jaihind Co-Op Bank Ltd Ambarnath
Andhra Bank
Andhra Pragathi Grameena Bank
Andhra Pradesh Grameena Vikas Bank
Apna Sahakari Bank Ltd
Australia and New Zealand Banking Group Ltd
AU Small Finance Bank Limited
Axis Bank


Bandhan Bank Limited
Bank Internasional Indonesia
Bank of America
Bank of Bahrein and Kuwait
Bank of Baroda
Bank of Ceylon
Bank of India
Bank of Maharashtra
Bank of Tokyo Mitsubishi Ltd
Barclays Bank
Bassein Catholic Co-Op Bank Ltd
Bhagini Nivedita Sahakari Bank Ltd Pune
Bharat Cooperative Bank Mumbai Ltd
BNP Paribas Bank


Canara Bank
Capital Small Finance Bank Ltd
Capital Local Area Bank Ltd
Catholic Syrian Bank
Central Bank of India
Chinatrust Commercial Bank
Citizen Credit Cooperative Bank
City Union Bank Ltd
Commonwealth Bank of Australia
Corporation Bank
Credit Agricole Corporate and Investment Bank
Credit Suisse AG


DBS Bank Ltd
DCB Bank Ltd
Deogiri Nagari Sahakari Bank Ltd. Aurangabad
Dena Bank
Deposit Insurance and Credit Guarantee Corporation
Deustche Bank
Development Bank of Singapore DBS
Dhanalakshmi Bank
DMK Jaoli Bank
Doha Bank QSC
Dombivli Nagari Sahakari Bank Ltd
Durgapur Steel Peoples Co-Operative Bank Ltd


Emirates NBD Bank P J S C
Esaf Small Finance Bank Limited
Equitas Small Finance Bank Limited
Export Import Bank of India


Federal Bank Ltd
Fincare Small Finance Bank Ltd
FINO Payments Bank
Firstrand Bank Ltd
First Abu Dhabi Bank PJSC


G P Parsik Bank
GS Mahanagar Co-operative Bank Limited, Mumbai
Gurgaon Gramin Bank Ltd


HDFC Bank Ltd
Haryana State Co-Operative Bank
Himachal Pradesh State Co-Operative Bank Ltd
HSBC Bank Oman Saog


ICICI Bank Ltd
IDFC Bank Ltd
Idukki District Co-Operative Bank Ltd
Indian Bank
India Post Payment Bank
Indusind Bank Ltd
Indian Overseas Bank
Industrial and Commercial Bank of China Ltd
Industrial Bank of Korea
Irinjalakuda Town Co-Operative Bank Ltd


Jalgaon Janata Sahkari Bank Ltd
Jammu and Kashmir Bank
Janakalyan Sahakari Bank Ltd
Jana Small Finance Bank Ltd
Janaseva Sahakari Bank (Borivli) Ltd
Janaseva Sahakari Bank Ltd
Janata Sahakari Bank Ltd (Pune)
Jankalyan Sahakari Bank Ltd
Jio Payments Bank Limited
JP Morgan Chase Bank NA


Kallappanna Awade Ichalkaranji Janata Sahakari Bank Ltd
Kalyan Janata Sahakari Bank Ltd
Kalupur Commercial Cooperative Bank
Kapol Cooperative Bank
Karnataka Bank Ltd
Karnataka Vikas Grameena Bank
Kaveri Grameena Bank
Karur Vysya Bank
KEB Hana Bank
Kerala Gramin Bank
Kotak Mahindra Bank
Kozhikode District Cooperative Bank Ltd
Krung Thai Bank PCL


Laxmi Vilas Bank


Mahanagar Cooperative Bank Ltd
Maharashtra Gramin Bank
Maharashtra State Cooperative Bank
Mahesh Sahakari Bank Ltd Pune
MashreqBank PSC
Mizuho Bank Ltd
MUFG Bank Ltd


Nagar Urban Co-Operative Bank
National Bank for Agriculture and Rural Development
National Bank of Abu Dhabi PJSC
Nagpur Nagrik Sahakari Bank Ltd
National Australia Bank
New India Cooperative Ban Ltd
NKGSB Cooperative Bank Ltd
North East Small Finance Bank Limited
North Malabar Gramin Bank
NSDL Payments Bank Limited
Nutan Nagarik Sahakari Bank Ltd


Oman International Bank
Oriental Bank of Commerce


Paytm Payments Bank Ltd
Pragathi Krishna Gramin Bank
Prathama Bank
Prime Co-Operative Bank Ltd
PT Bank Maybank Indonesia TBK
Punjab and Maharashtra Cooperative Bank Ltd
Punjab and Sind Bank
Punjab National Bank


Qatar National Bank SAQ


Rabobank International
Rajarambapu Sahakari Bank Ltd
Rajgurunagar Sahakari Bank Ltd
Rajkot Nagarik Sahakari Bank Ltd
RBI PAD, Ahmedabad
RBL Bank Limited
Reserve Bank of India


Sahebrao Deshmukh Co-Op. Bank Ltd
Samarth Sahakari Bank Ltd
Saraswat Cooperative Bank Ltd
SBM Bank India Limited
SBM Bank Mauritius Ltd
Shikshak Sahakari Bank Ltd
Shinhan Bank
Shivalik Mercantile Co Operative Bank Ltd
Shri Chhatrapati Rajashri Shahu Urban Co-Op Bank Ltd
Shri Veershaiv Co-Op Bank Ltd
Sir M Visvesvaraya Co Operative Bank Ltd
Small Industries Development Bank of India
Societe Generale
Solapur Janata Sahkari Bank Ltd
South Indian Bank
Standard Chartered Bank
State Bank of India
State Bank of Mauritius Ltd
Sumitomo Mitsui Banking Corporation
Surat National Cooperative Bank Limited
Suryoday Small Finance Bank Limited
Sutex Cooperative Bank Ltd
Syndicate Bank


Tamilnad Mercantile Bank Limited
Telangana State Coop Apex Bank
Textile Traders Co-Operative Bank Ltd
The A.P. Mahesh Co-Op Urban Bank Ltd
The Akola District Central Co-Operative Bank
The Andhra Pradesh State Coop Bank Ltd
The Bank of Nova Scotia
The Baramati Sahakari Bank Ltd
The Cosmos Cooperative Bank Ltd
The Delhi State Cooperative Bank Ltd
The Gadchiroli District Central Cooperative Bank Ltd
The Greater Bombay Co-operative Bank Ltd
The Gujarat State Co-Operative Bank Ltd
The HASTI Co-Operative Bank Ltd
The Jalgaon Peoples Co-Op Bank
The Kangra Central Cooperative Bank Ltd
The Kangra Cooperative Bank Ltd
The Karad Urban Co-op Bank Ltd
The Karanataka State Co-Operative Apex Bank Limited
The Kurmanchal Nagar Sahkari Bank Ltd
The Mehsana Urban Cooperative Bank Ltd
The Mumbai District Central Co-Op Bank Ltd
The Municipal Co Operative Bank Ltd, Mumbai
The Nainital Bank Ltd
The Nasik Merchants Co-Op Bank Ltd
The Navnirman Co-Operative Bank Limited
The Pandharpur Urban Co Op. Bank Ltd. Pandharpur
The Rajasthan State Cooperative Bank Ltd
The Royal Bank of Scotland N.V.
The Seva Vikas Co-Operative Bank Ltd
The Shamrao Vithal Cooperative Bank Ltd
The Sindhudurg District Central Coop Bank Ltd
The Surat District Co Operative Bank Ltd
The Surath Peoples Co-Op Bank Ltd
The Tamilnadu State Apex Cooperative Bank
The Thane Bharat Sahakari Bank Ltd
The Thane District Central Co-Op Bank Ltd
The Thane Janata Sahakari Bank Ltd
The Varachha Co-Op. Bank Ltd
The Vishweshwar Sahakari Bank Ltd
The West Bengal State Cooperative Bank Ltd
The Zoroastrian Cooperative Bank Limited
Thrissur District Co-Operative Bank Ltd
TJSB Sahakari Bank Ltd
Tumkur Grain Merchants Cooperative Bank Ltd


UCO Bank
Ujjivan Small Finance Bank Limited
Union Bank of India
United Bank of India
United Overseas Bank
Utkarsh Small Finance Bank


Vasai Janata Sahakari Bank Ltd
Vasai Vikas Sahakari Bank Ltd
Vijaya Bank


Westpac Banking Corporation
Woori Bank


Yes Bank Ltd


Zila Sahkari Bank Ltd Ghaziabad

Frequently Asked Questions on IFSC and MICR codes

1. What is the full form of IFSC?

The full form of IFSC is Indian Financial System Code.

2. Why is IFSC used?

IFSC or Indian Financial System Code is a 11-digit alphanumeric code that is used to uniquely all bank branches  within the National Electronic Funds Transfer (NEFT) network by the Reserve Bank of India.

3. Can anyone misuse my bank account number?

No, it is not possible for anyone to misuse your bank account with by knowing the bank account number.

4. How to search for bank name by IFSC code?

It is very easy to find the bank name using the IFSC code. The first four characters of the IFSC code represents the bank name. So, if the bank name is ICICI, then the IFSC code will look something like ICIC0001420.

5. What is the meaning of MICR code?

MICR stands for Magnetic Ink Character Recognition. It is a special ink that is sensitive to magnetic fields. It is printed on the bottom of a cheque.

6. What is the use of MICR code?

MICR is a technology that helps in verifying the originality of cheques or other paper documents. It is used mainly by banks to process cheques faster. The MICR code helps RBI in identifying the bank branch.

7. How can I transfer money from one bank account to another online?

You can transfer money from one bank account to another through online mode using methods like National Electronic Fund Transfer (NEFT), Real-time Gross Settlement (RTGS), Immediate Payment Service (IMPS), and Unified Payment Interface (UPI).

8. Are IFSC and SWIFT code same?

No, the IFSC and SWIFT codes are not the same. IFSC is used for transferring funds within India while SWIFT code is used for transferring funds at an international level. Moreover, SWIFT is a bank identifier code while IFSC is used to identify a specific bank branch.

9. If a bank branch is changed, will the IFSC code change?

No, if the location of a bank’s branch is changed, then the IFSC code will not change. If the bank account is shifted from one branch of the bank to another, only then will the IFSC code be changed.

10. Is IFSC code same as branch code?

No, IFSC code is not the same as branch code.

11. Where is the IFSC code located on the cheque leaf?

IFSC code is generally present on the top part of every cheque leaf or near the bank branch address.

12. Is IFSC code required for IMPS?

IFSC code is required for IMPS only if the individual is transferring money using bank account number. If the receiver’s MMID is not available, then he/she needs to add the receiver as a payee, for which details such as bank account number, name and IFSC are required.

13. Where can I locate MICR code on cheque?

MICR code is printed on the bottom part of every cheque leaf provided by banks.

14. Is IFSC code unique?

Yes, IFSC code is a unique alphanumeric code.

15. What are the timings for NEFT?

As per the Reserve Bank of India, NEFT can be used by customers between 8:00 am to 7:00 pm from Monday to Friday. On Saturdays, the service can be utilized between 8:00 am to 1:00 pm.

16. Is it possible to determine the IFSC code of a bank’s branch from the savings bank account number hosted in the same bank?

No, it is not possible as the 15-digit long savings bank account number does not include the bank’s IFSC code.

17. I think I have provided the wrong IFSC code when initiating a NEFT funds transfer. What will happen to my money?

There is no need to panic as for a NEFT transaction to go through and benefit the intended recipient, you are required to provide the latter’s account number and the corresponding bank’s IFSC code. In case you provide wrong IFSC code, the system with tally against the recipient’s name and account number to identify the mistake and refund the money. The refund will be highlighted in your account within a couple of hours at the maximum.

18. Can I access the IFSC code from my bank passbook?

Yes, you can access the IFSC code from the bank passbook. As per a directive from the Reserve Bank of India, banks must print the IFSC and MICR codes prominently on the passbooks, account statements and cheques issued by them.