About the IFSC code finder
This free IFSC code finder looks up any bank branch in India and shows its IFSC, MICR code, full address and the payment modes it supports. You can search three ways — by the code itself, by picking the bank, state, city and branch from a list, or by typing an area, branch name or PIN code.
The results come from the public branch directory maintained by the Reserve Bank of India. No bank login, account number or personal detail is ever needed.
What the 11 characters of an IFSC actually mean
IFSC stands for Indian Financial System Code. Every code is exactly 11 characters, and it is not random — take SBIN0000001 apart and each piece has a job:
- First four letters — the bank. SBIN is State Bank of India, HDFC is HDFC Bank, ICIC is ICICI Bank.
- Fifth character — always zero. It is reserved for future use. If the fifth character of a code you have been given is not a 0, the code is wrong.
- Last six characters — the branch. These can be letters or digits and identify one specific branch of that bank.
That fifth-character rule is the quickest sanity check there is. Before you paste a code into a transfer form, look at position five.
Three ways to find a branch
- IFSC / MICR code — you already have a code and want to confirm which branch it belongs to. Type it in and select Find branch.
- Bank & branch — you know the bank but not the code. Choose the bank, then the state, then the city, then the branch.
- Area, city or PIN — you only know roughly where the branch is. Type an area name, a branch name, a city or a 6-digit PIN code and search.
Open any result to see the IFSC, the MICR code, the branch address, the contact details on record and which payment systems the branch is enabled for. You can copy the IFSC on its own or the whole set of details in one go.
IFSC, MICR and SWIFT are three different things
People mix these up constantly, and using the wrong one is how a transfer fails.
- IFSC — 11 characters. For moving money inside India through NEFT, RTGS and IMPS.
- MICR — 9 digits, printed along the bottom of a cheque. It is what cheque clearing uses. The first three digits are the city, the next three the bank, the last three the branch.
- SWIFT / BIC — 8 or 11 characters. For money coming from abroad. Not every branch has one; international transfers usually go through a bank’s designated branch.
If somebody outside India is sending you money, they need the SWIFT code, not the IFSC — though many banks now ask for both.
When banks merge, the IFSC changes
This is the single most common reason an old IFSC stops working. India’s public sector banks have been through a wave of mergers — Dena and Vijaya Bank into Bank of Baroda, Syndicate Bank into Canara Bank, Oriental Bank of Commerce and United Bank into Punjab National Bank, Andhra Bank and Corporation Bank into Union Bank, Allahabad Bank into Indian Bank.
After a merger the old branch codes are retired and replaced by the acquiring bank’s codes. A cheque book, a saved payee in your banking app, or an IFSC written on an old form can all be out of date without any warning. If a transfer is being rejected and you cannot see why, check the IFSC here before blaming anything else.
Check these before you send money
- The fifth character is a zero.
- The branch name and city on the result match the branch you were told.
- The branch is enabled for the method you are using — NEFT, RTGS or IMPS.
- The account number belongs to that same branch. A correct IFSC with the wrong account number still fails.
- For a large transfer, send a small test amount first.
IFSC code FAQs
Is this IFSC code finder free?
Yes. No account, no signup and no limit on searches. You never enter an account number or any banking password.
Where do I find my own IFSC code?
It is printed on your cheque leaf and on the first page of your passbook, and it appears in net banking and in most bank statements. If you cannot find any of those, search here by bank, state, city and branch instead.
Does every branch have its own IFSC?
Yes. Each branch has a unique code, so two branches of the same bank in the same city still have different IFSCs. That is why the branch has to be right, not just the bank.
My IFSC is not working. What went wrong?
Most often the bank has merged and the code was retired, or the branch itself was merged into another one. Look the branch up here to get the current code. Also check that the fifth character is a zero and that nothing was mistyped.
Can I find an IFSC using only a PIN code?
Yes. Use the Area, city or PIN search and enter the 6-digit PIN code to list the branches recorded in that area, then open the one you need.
What is the difference between NEFT, RTGS and IMPS?
NEFT handles everyday transfers of any size. RTGS is for large-value transfers and settles individually. IMPS is instant and runs at any hour, including holidays. All three need a correct IFSC, and a branch may not be enabled for every one of them.
Do I need an IFSC to send money by UPI?
Not when you are paying a UPI ID or scanning a QR code. You do need it if you choose to pay to an account number instead, because that route still uses the bank and branch code.
Related online tools
- PIN Code Finder — look up an area’s PIN code, then find its bank branches.
- EMI Calculator — work out a loan instalment before visiting the branch.
- Invoice Generator — put your bank details on a professional invoice.
- QR Code Generator — turn payment details into a scannable code.
- All online tools — the full ToolSala list.