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Complete Guide to IFSC Codes: Everything You Need to Know

In today's digital banking era, understanding IFSC codes has become essential for seamless financial transactions. Whether you're making an online transfer, setting up automatic payments, or verifying bank details, knowing how to find and use IFSC codes is crucial. This comprehensive guide covers everything about IFSC codes, including how to find them, their meaning, format, and specific codes for major banks across India.

What is an IFSC Code? Understanding the Full Form and Meaning

The IFSC code full form stands for Indian Financial System Code. This unique 11-character alphanumeric code is assigned by the Reserve Bank of India (RBI) to identify each bank branch participating in the electronic funds transfer system. The IFSC code meaning is straightforward: it's a unique identifier that ensures your money reaches the correct bank branch during electronic transactions.

When people search for "IFSC code kya hai" or "IFSC code meaning in Hindi," they're looking to understand this fundamental banking concept. In Hindi, IFSC code ka matlab is "भारतीय वित्तीय प्रणाली कोड" (Bharatiya Vittiya Pranali Code). Similarly, when searching for "IFSC code meaning in Tamil," the concept remains the same - it's a unique bank branch identifier.

The IFSC code format consists of 11 characters: the first four characters represent the bank name, the fifth character is always '0' (zero), and the last six characters identify the specific branch. Understanding the IFSC code format helps you verify if a code is valid. The IFSC code length is always 11 characters, and the IFSC code digits follow this specific pattern.

How to Find IFSC Code: Complete Guide

Many people wonder "IFSC code where to find" or "IFSC code how to find." There are several reliable methods to locate your bank's IFSC code. The most common question is "IFSC code kaise nikale" (how to find IFSC code in Hindi). Here are the primary methods:

1. Finding IFSC Code in Cheque: The most traditional method is to check your bank's cheque book. The IFSC code in cheque is printed at the top, usually near the bank name and branch address. This is the most reliable source as it's directly from your bank.

2. Using IFSC Code Search Tools: Online IFSC code search tools allow you to find codes by bank name, branch name, city, or district. Our IFSC code lookup service provides instant results for any bank branch in India. You can perform an IFSC code search by entering the bank name, branch, city, or even the IFSC code itself for verification.

3. Bank Websites: Most banks provide IFSC code search functionality on their official websites. For example, you can search for "IFSC code search SBI" to find State Bank of India branches, or use "IFSC code search RBI" for official RBI resources.

4. Branch Locator: Many banks offer branch locator tools where you can find IFSC code search branch details. This is particularly useful when you know the branch location but need the specific code.

For IFSC code verification, you can use online tools to ensure the code is valid and corresponds to the correct bank branch. IFSC code verification helps prevent transaction errors and ensures your money reaches the intended recipient.

IFSC Codes for Major Banks

State Bank of India (SBI) IFSC Codes

When searching for "IFSC code for State Bank of India" or "IFSC code of State Bank of India," it's important to note that SBI has thousands of branches, each with a unique code. The IFSC code for SBI bank branches typically starts with "SBIN" followed by the branch identifier. For example, "IFSC code SBI main branch" would have a specific code for the main branch in Mumbai.

If you're looking for "IFSC code SBI bank" or "IFSC code for SBI bank," you'll need to specify the branch location. For instance, "IFSC code SBI Indore" would be different from "IFSC code SBI Patiala." Each branch has its unique identifier, making IFSC code search SBI queries branch-specific.

State Bank of India, being India's largest bank, has branches in every state and major city. Whether you need "IFSC code SBI bank" for a rural branch or urban center, each location has a distinct code that ensures accurate fund transfers.

Bank of Baroda (BOB) IFSC Codes

For "IFSC code for Bank of Baroda" or "IFSC code BOB," the codes typically start with "BARB0" followed by branch-specific characters. Bank of Baroda has an extensive network across India, with regional variations. For example, "IFSC code Bank of Baroda Rajasthan" branches will have codes specific to Rajasthan locations, while "IFSC code Bank of Baroda Gujarat" branches will have Gujarat-specific identifiers.

When searching for "IFSC code Baroda" or "IFSC code bank of baroda," remember that each branch location has a unique code. The IFSC code BOB format follows the standard 11-character structure, with the first four characters representing Bank of Baroda.

Some specific searches include "IFSC code RBI Bank of Baroda" for RBI-registered branches, or "IFSC code Baroda UP Gramin Bank" for regional rural bank branches associated with Bank of Baroda.

HDFC Bank IFSC Codes

For "IFSC code for HDFC Bank," the codes typically start with "HDFC0" followed by branch identifiers. HDFC Bank has a strong presence in major metropolitan areas. For example, "IFSC code HDFC Bank Bangalore" branches will have codes specific to Bangalore locations, "IFSC code HDFC Bank Mumbai" for Mumbai branches, "IFSC code HDFC Bank Chennai" for Chennai branches, and "IFSC code HDFC Bank Pune" for Pune locations.

Each HDFC Bank branch has a unique IFSC code, making it essential to use the correct code for your specific branch when making transactions. The IFSC code HDFC bank format ensures accurate routing of funds to the intended branch.

ICICI Bank IFSC Codes

When searching for "IFSC code for ICICI Bank" or "IFSC code ICICI," the codes typically start with "ICIC0" followed by branch-specific characters. ICICI Bank has branches across India, and each branch maintains its unique IFSC code for electronic fund transfers.

Punjab National Bank (PNB) IFSC Codes

For "IFSC code Punjab National Bank" or "IFSC code PNB bank," the codes typically start with "PUNB0" followed by branch identifiers. Punjab National Bank has an extensive network, and each branch has its unique code. When searching for "IFSC code PNB bank," make sure to specify the branch location for accurate results.

Axis Bank IFSC Codes

For "IFSC code Axis Bank," the codes typically start with "UTIB0" (UTIB stands for UTI Bank, which merged with Axis Bank). Some searches might show "IFSC code UTIB" which refers to the same bank. For example, "IFSC code UTIB0CCH274" would be a specific Axis Bank branch code.

Axis Bank has branches across India, and each maintains its unique IFSC code. The IFSC code Axis Bank format ensures proper routing of electronic transactions.

Union Bank of India IFSC Codes

When searching for "IFSC code Union Bank" or "IFSC code Union Bank of India," the codes typically start with "UBIN0" followed by branch-specific characters. Union Bank of India has merged with several other banks, expanding its branch network significantly.

Indian Bank IFSC Codes

For "IFSC code for Indian Bank," the codes typically start with "IDIB0" followed by branch identifiers. Indian Bank has branches across India, and each maintains its unique IFSC code for electronic fund transfers.

Canara Bank IFSC Codes

When searching for "IFSC code Canara Bank," the codes typically start with "CNRB0" followed by branch-specific characters. Canara Bank has an extensive network across India, with each branch having its unique identifier.

Central Bank of India IFSC Codes

For "IFSC code Central Bank" or "IFSC code Central Bank of India," the codes typically start with "CBIN0" followed by branch identifiers. Some searches might include "IFSC code Central Bank of India Bihar" for Bihar-specific branches, or "IFSC code Central Bank of India" for general queries.

The IFSC code of Central Bank of India follows the standard format, with each branch having its unique code. When searching for "IFSC code central bank," make sure to specify the branch location for accurate results.

Bank of India IFSC Codes

For "IFSC code of Bank of India," the codes typically start with "BKID0" followed by branch-specific characters. Bank of India has branches across India, and each maintains its unique IFSC code.

Kotak Mahindra Bank IFSC Codes

When searching for "IFSC code Kotak Bank" or "IFSC code Kotak," the codes typically start with "KKBK0" followed by branch identifiers. Kotak Mahindra Bank has branches in major cities across India, each with its unique code.

Yes Bank IFSC Codes

For "IFSC code Yes Bank," the codes typically start with "YESB0" followed by branch-specific characters. Yes Bank has branches in major cities, and location-specific searches like "IFSC code Yes Bank Mumbai," "IFSC code Yes Bank Gurgaon," or "IFSC code Yes Bank Bangalore" will yield branch-specific codes.

Punjab & Sind Bank IFSC Codes

When searching for "IFSC code Punjab and Sind Bank," the codes typically start with "PSIB0" followed by branch identifiers. This bank has branches primarily in northern India, with each branch maintaining its unique IFSC code.

Andhra Bank IFSC Codes

For "IFSC code Andhra Bank," the codes typically start with "ANDB0" followed by branch-specific characters. Andhra Bank has branches across India, particularly strong in southern states.

City Union Bank IFSC Codes

When searching for "IFSC code City Union Bank," the codes typically start with "CIUB0" followed by branch identifiers. City Union Bank has branches primarily in southern India, with each branch having its unique code.

Federal Bank IFSC Codes

For "IFSC code Federal Bank," the codes typically start with "FDRL0" followed by branch-specific characters. Federal Bank has branches across India, with each maintaining its unique IFSC code.

South Indian Bank IFSC Codes

When searching for "IFSC code South Indian Bank," the codes typically start with "SIBL0" followed by branch identifiers. South Indian Bank has branches primarily in southern India, with each branch having its unique code.

IDBI Bank IFSC Codes

For "IFSC code IDBI Bank," the codes typically start with "IBKL0" followed by branch-specific characters. IDBI Bank has branches across India, and each maintains its unique IFSC code for electronic fund transfers.

Bank of Maharashtra IFSC Codes

When searching for "IFSC code Bank of Maharashtra" or "IFSC code Maharashtra Bank," the codes typically start with "MAHB0" followed by branch identifiers. Bank of Maharashtra has branches primarily in Maharashtra and other states, with each branch having its unique code.

UCO Bank IFSC Codes

For "IFSC code UCO Bank," the codes typically start with "UCBA0" followed by branch-specific characters. UCO Bank has branches across India, and each maintains its unique IFSC code.

United Bank of India IFSC Codes

When searching for "IFSC code United Bank of India," the codes typically start with "UTBI0" followed by branch identifiers. United Bank of India has branches across India, with each branch having its unique code.

DBS Bank IFSC Codes

For "IFSC code DBS Bank," the codes typically start with "DBSS0" followed by branch-specific characters. For example, "IFSC code DBSS0IN0811" would be a specific DBS Bank branch code. DBS Bank has branches in major Indian cities, each with its unique identifier.

HSBC Bank IFSC Codes

When searching for "IFSC code HSBC," the codes typically start with "HSBC0" followed by branch identifiers. HSBC has branches in major Indian cities, with each branch maintaining its unique IFSC code.

DCB Bank IFSC Codes

For "IFSC code DCB Bank," the codes typically start with "DCBL0" followed by branch-specific characters. DCB Bank has branches across India, and each maintains its unique IFSC code.

IDFC Bank IFSC Codes

When searching for "IFSC code IDFC Bank," the codes typically start with "IDFB0" followed by branch identifiers. IDFC Bank has branches in major cities, with each branch having its unique code.

Nainital Bank IFSC Codes

For "IFSC code Nainital Bank," the codes typically start with "NTBL0" followed by branch-specific characters. Nainital Bank has branches primarily in northern India, with each branch maintaining its unique IFSC code.

Dhanlaxmi Bank IFSC Codes

When searching for "IFSC code Dhanlaxmi Bank," the codes typically start with "DLXB0" followed by branch identifiers. Dhanlaxmi Bank has branches primarily in southern India, with each branch having its unique code.

Vijaya Bank IFSC Codes

For "IFSC code Vijaya Bank," the codes typically start with "VIJB0" followed by branch-specific characters. Vijaya Bank has merged with Bank of Baroda, but existing IFSC codes remain valid for transactions.

Cooperative Bank IFSC Codes

When searching for "IFSC code Cooperative Bank" or "IFSC code Zila Sahkari Bank," these banks have codes starting with various prefixes depending on the specific cooperative bank. Each cooperative bank branch maintains its unique IFSC code for electronic transactions.

Aryavart Bank IFSC Codes

For "IFSC code Aryavart Bank," the codes follow the standard format with bank-specific prefixes. Aryavart Bank has branches in northern India, with each branch maintaining its unique identifier.

AU Small Finance Bank IFSC Codes

When searching for "IFSC code AU Small Finance Bank," the codes typically start with "AUBL0" followed by branch identifiers. AU Small Finance Bank has branches across India, with each branch having its unique code.

Regional Rural Banks and Gramin Banks

India has numerous Regional Rural Banks (RRBs) and Gramin Banks, each with their unique IFSC codes. These banks play a crucial role in rural banking and financial inclusion.

Haryana Gramin Bank IFSC Codes

For "IFSC code Haryana Gramin Bank" or "IFSC code Sarva Haryana Gramin Bank," the codes typically start with "HGBK0" or similar prefixes depending on the specific gramin bank. These banks serve rural areas of Haryana, with each branch maintaining its unique IFSC code.

Uttar Pradesh Gramin Bank IFSC Codes

When searching for "IFSC code UP Gramin Bank" or "IFSC code Prathama UP Gramin Bank," the codes follow the standard format with bank-specific prefixes. These banks serve rural areas of Uttar Pradesh, with each branch having its unique identifier.

Punjab Gramin Bank IFSC Codes

For "IFSC code Punjab Gramin Bank," the codes typically start with bank-specific prefixes. Punjab Gramin Bank serves rural areas of Punjab, with each branch maintaining its unique IFSC code.

Rajasthan Gramin Bank IFSC Codes

When searching for "IFSC code Rajasthan Gramin Bank," the codes follow the standard format. Rajasthan Gramin Bank serves rural areas of Rajasthan, with each branch having its unique code.

Bihar Gramin Bank IFSC Codes

For "IFSC code Bihar Gramin Bank" or "IFSC code Madhya Bihar Gramin Bank" or "IFSC code Dakshin Bihar Gramin Bank," these banks serve different regions of Bihar. Each branch maintains its unique IFSC code for electronic transactions.

Maharashtra Gramin Bank IFSC Codes

When searching for "IFSC code Maharashtra Gramin Bank," the codes follow the standard format with bank-specific prefixes. Maharashtra Gramin Bank serves rural areas of Maharashtra, with each branch having its unique identifier.

Assam Gramin Vikash Bank IFSC Codes

For "IFSC code Assam Gramin Vikash Bank," the codes typically start with bank-specific prefixes. Assam Gramin Vikash Bank serves rural areas of Assam, with each branch maintaining its unique IFSC code.

Telangana Grameena Bank IFSC Codes

When searching for "IFSC code Telangana Grameena Bank," the codes follow the standard format. Telangana Grameena Bank serves rural areas of Telangana, with each branch having its unique code.

General Gramin Bank IFSC Codes

For general searches like "IFSC code Gramin Bank," it's important to specify the state or region, as there are multiple gramin banks across India, each with their unique IFSC codes. Each gramin bank branch maintains its unique identifier for electronic fund transfers.

Payment Banks and Digital Banks

With the rise of digital banking, several payment banks have emerged, each with their unique IFSC codes for facilitating electronic transactions.

Airtel Payment Bank IFSC Codes

For "IFSC code Airtel Payment Bank" or "IFSC code of Airtel Payment Bank" or "IFSC code Airtel Payment" or simply "IFSC code Airtel," the codes typically start with "AIRP0" followed by branch identifiers. Airtel Payment Bank operates digitally and has specific IFSC codes for different regions.

India Post Payment Bank IFSC Codes

When searching for "IFSC code India Post Payment Bank" or "IFSC code Indian Post Payment Bank" or "IFSC code Post Payment Bank" or "IFSC code Post Bank," the codes typically start with "IPOS0" followed by branch identifiers. For example, "IFSC code IPOS0000DOP" would be a specific India Post Payment Bank code.

For "IFSC code for Post Office" or "IFSC code Post Office," India Post Payment Bank codes are used. The post office banking system uses these IFSC codes for electronic transactions.

Fino Payment Bank IFSC Codes

For "IFSC code Fino Payment Bank" or "IFSC code Fino Bank," the codes typically start with "FINB0" followed by branch-specific characters. Fino Payment Bank operates digitally and has specific IFSC codes for different regions.

Jio Payment Bank IFSC Codes

When searching for "IFSC code Jio Payment Bank," the codes follow the standard format with bank-specific prefixes. Jio Payment Bank operates digitally and has specific IFSC codes for electronic transactions.

Understanding IFSC Code Structure and Format

The IFSC code format is standardized across all banks in India. Understanding "IFSC code how many digits" is crucial: the IFSC code length is always 11 characters. The IFSC code format consists of:

  • First 4 characters: Represent the bank name (alphabetic)
  • 5th character: Always '0' (zero) - reserved for future use
  • Last 6 characters: Represent the specific branch (alphanumeric)

For example, in an IFSC code like "SBIN0001234":

  • "SBIN" represents State Bank of India
  • "0" is the reserved character
  • "001234" identifies the specific branch

The IFSC code number is always 11 characters long, and the IFSC code digits follow this specific pattern. This standardization ensures consistency across all banks and makes IFSC code verification easier.

When people ask "IFSC code kise kahate hain" (what is IFSC code called), they're referring to this unique identifier system. The IFSC code details include the bank name, branch location, and the unique branch identifier.

Regional IFSC Code Information

Mumbai IFSC Codes

For "IFSC code Mumbai," banks operating in Mumbai have branch-specific codes. Major banks like HDFC Bank, SBI, ICICI Bank, and others have multiple branches in Mumbai, each with its unique IFSC code. When searching for Mumbai-specific codes, specify the bank and branch name for accurate results.

Delhi IFSC Codes

When searching for "IFSC code Delhi," banks operating in Delhi have branch-specific codes. Delhi, being the capital, hosts branches of all major banks, each with its unique IFSC code.

Hyderabad IFSC Codes

For "IFSC code Hyderabad," banks operating in Hyderabad have branch-specific codes. Hyderabad is a major banking hub in southern India, with branches of all major banks maintaining their unique IFSC codes.

Bangalore IFSC Codes

When searching for Bangalore-specific IFSC codes, banks operating in Bangalore have branch-specific codes. Bangalore, being India's IT capital, hosts numerous bank branches, each with its unique IFSC code.

IFSC Code Verification and Tracking

IFSC code verification is crucial before making any electronic transaction. Using an IFSC code tracker or verification tool helps ensure the code is valid and corresponds to the correct bank branch. This prevents transaction errors and ensures your money reaches the intended recipient.

When performing IFSC code verification, you can:

  • Verify the bank name matches the IFSC code
  • Confirm the branch location
  • Check if the code follows the correct format
  • Ensure the code is active and valid

IFSC code verification is especially important when receiving IFSC codes from third parties or when setting up automatic payments. Always verify the code through official bank sources or reliable IFSC code lookup tools.

Common Questions About IFSC Codes

Q: What is the IFSC code full form?
A: IFSC stands for Indian Financial System Code.

Q: How many digits is an IFSC code?
A: An IFSC code is 11 characters long (not just digits - it includes letters and numbers).

Q: Where can I find my IFSC code?
A: You can find your IFSC code in your cheque book, bank statement, passbook, or by using online IFSC code search tools.

Q: Is IFSC code the same for all branches of a bank?
A: No, each branch has its unique IFSC code. Even branches of the same bank in different locations have different codes.

Q: Can I use IFSC code for international transfers?
A: IFSC codes are used for domestic electronic transfers within India. For international transfers, you'll need SWIFT codes instead.

Q: What happens if I use the wrong IFSC code?
A: Using the wrong IFSC code can result in transaction failure or funds being transferred to the wrong account. Always verify the IFSC code before making transactions.

Importance of Accurate IFSC Codes

Using the correct IFSC code is crucial for successful electronic fund transfers. Whether you're making NEFT, RTGS, or IMPS transactions, the IFSC code ensures your money reaches the correct bank branch. An incorrect IFSC code can lead to:

  • Transaction failures
  • Delayed transfers
  • Funds being sent to wrong accounts
  • Additional charges for failed transactions

Therefore, always verify your IFSC code using reliable sources like your bank's official website, cheque book, or trusted IFSC code lookup tools.

Conclusion

Understanding IFSC codes is essential for anyone conducting electronic banking transactions in India. Whether you need the IFSC code for Bank of Baroda, State Bank of India, HDFC Bank, ICICI Bank, or any other bank, each branch has its unique identifier. From major national banks to regional rural banks, payment banks, and cooperative banks, every banking institution in India uses IFSC codes for electronic fund transfers.

With the comprehensive information provided in this guide, you now understand:

  • The IFSC code full form and meaning
  • How to find IFSC codes using various methods
  • The format and structure of IFSC codes
  • IFSC codes for major banks across India
  • Regional rural banks and gramin banks
  • Payment banks and digital banking options
  • The importance of IFSC code verification

Remember, always verify your IFSC code before making any electronic transaction. Use reliable sources like your bank's official website, cheque book, or trusted IFSC code search tools. With accurate IFSC codes, you can ensure smooth and secure electronic fund transfers across India's vast banking network.

Whether you're searching for "IFSC code check," "IFSC code lookup," "IFSC code search," or specific bank codes like "IFSC code for Bank of Baroda" or "IFSC code for State Bank of India," this guide provides comprehensive information to help you find the correct IFSC code for your banking needs.

More IFSC Code References and How To Use Them

Below are practical, plain-language references that people often use while searching for specific branch codes. These examples help you confidently identify the right code and avoid failed transfers by doing an IFSC code search first, verifying the branch, and then proceeding with the transaction.

Tip: Always verify the branch and beneficiary details. When in doubt, start with a quick IFSC code search, confirm using the bank’s official site, and proceed only after matching the branch name, city, and account details.

Extended IFSC Code Mentions (Quick Lookup A–Z)

Use these phrases to refine your search and quickly locate the correct branch: find IFSC code for account number, IFSC code with account number, branch name for IFSC code, IFSC code to branch search, find SBI IFSC code, state bank of india IFSC code search, state bank of india main branch IFSC code, state bank of india IFSC code branch, state bank of india IFSC code list.

If you only have an account number, use “find IFSC code for account number” or “how to find IFSC code by account no,” then verify using the bank’s official branch locator or passbook. Always double-check before NEFT/RTGS/IMPS.