IFSC Code Finder
Our free IFSC Code Finder tool helps you find the IFSC code, MICR code, and address of any bank branch in India. It is essential for NEFT, RTGS, and IMPS money transfers.
Complete Guide to IFSC & MICR Codes in India
What is an IFSC Code?
The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to all bank branches in the country. It is mandatory for transferring funds online through systems like NEFT, RTGS, and IMPS. You can easily find the IFSC code of your bank branch on your passbook, cheque leaf, or by using the ZestSmartTools IFSC Finder above.
How to Find Your IFSC Code
- On your Cheque Book: It is usually printed at the top of a cheque leaf.
- On your Bank Passbook: The first page containing your account details will list the IFSC.
- Online IFSC Tool: Use the cascading search tool above by selecting your Bank, State, City, and Branch.
- Official RBI Website: The RBI maintains a master list of all IFSC codes.
Benefits of Using an IFSC Code
- Accurately identifies the specific bank and branch for a transaction.
- Eliminates human errors and prevents money from being credited to the wrong account.
- Facilitates instant, secure, and seamless electronic fund transfers (NEFT, RTGS, IMPS).
What is a MICR Code and its Benefits?
Magnetic Ink Character Recognition (MICR) is a 9-digit code printed at the bottom of cheques using special magnetic ink. While IFSC is for online digital transfers, MICR is strictly used for clearing physical cheques faster. It enables quick, automated, and error-free processing of cheques in the clearing house.
Fund Transfer Limits & Charges
| Transfer Type | Minimum Limit | Maximum Limit | Timings |
|---|---|---|---|
| NEFT | ₹1 | No Limit | 24x7, 365 Days |
| RTGS | ₹2,00,000 | No Limit | 24x7, 365 Days |
| IMPS | ₹1 | ₹5,00,000 | 24x7, 365 Days |
*Note: The above charges are indicative and exclude GST. Many banks now offer free online NEFT/RTGS transfers. Please check with your specific bank for exact fees.
- NEFT Timings: Available 24x7, 365 days a year (settled in half-hourly batches).
- RTGS Timings: Available 24x7, 365 days a year (real-time settlement).
- IMPS Timings: Available 24x7, 365 days a year (instant transfer).
How to Transfer Money Using an IFSC Code
Transferring money using an IFSC code is incredibly secure and straightforward. Let’s assume you are transferring money to an ICICI Bank branch in Mumbai with the IFSC code ICIC0000027:
- The first four characters (ICIC) represent the bank name.
- The fifth character is a control character, which is always 0 (zero).
- The last six characters (000027) uniquely identify the specific branch.
- To initiate a transfer, simply log into your mobile banking or internet banking portal.
- Add the recipient as a payee by providing their Name, Account Number, and the exact IFSC Code.
- Once the payee is verified, you can instantly transfer funds via IMPS, NEFT, or RTGS.
Transferring Funds via SMS (Mobile Banking)
If you don't have internet access, you can still transfer funds using SMS:
- Ensure your mobile number is registered with your bank for SMS banking.
- Generate your 7-digit Mobile Money Identifier (MMID) and mPIN.
- Draft an SMS using the specific format provided by your bank (usually containing the payee's account number, IFSC, and amount).
- Send the SMS to your bank's designated number.
- Authenticate the transaction by entering your mPIN when prompted.
Difference Between IFSC and MICR Code
| Feature | IFSC Code | MICR Code |
|---|---|---|
| Full Form | Indian Financial System Code | Magnetic Ink Character Recognition |
| Format | 11-character alphanumeric code | 9-digit numeric code |
| Primary Use | Online fund transfers (NEFT, RTGS, IMPS) | Processing and clearing paper cheques |
| Location | Printed on the cheque book top and passbook | Printed at the bottom of the cheque leaf |
Popular Banks in India
Quickly find IFSC codes, MICR codes, and branch details for the most popular banks in India:
How to Use IFSC Code Finder
Select Bank
Choose your bank from the dropdown.
Select State and City
Pick the state and city where the branch is located.
Get Details
Select the specific branch to see its IFSC code and full address.
Who Uses IFSC Code Finder?
Anyone transferring money online, accountants, business owners, and individuals verifying bank details.
Why Use Our IFSC Code Finder?
Accurate database of all Indian banks
Includes MICR codes
Step-by-step search by Bank, State, City, Branch
Frequently Asked Questions
What is the IFSC code of a bank?
IFSC stands for Indian Financial System Code. An IFSC code is a unique 11-digit alphanumeric number allotted by the Reserve Bank of India (RBI) to identify every participating bank branch.
Is the IFSC code same as the branch code?
No. The branch code is only a part of the IFSC code. In an 11-character IFSC code, the last 6 characters represent the specific branch code.
What is a MICR code?
Magnetic Ink Character Recognition (MICR) is a 9-digit code printed on the bottom of cheques. It is used by the Electronic Clearing System (ECS) to process and clear physical cheques efficiently.
Can two bank branches have the same IFSC code?
No, two bank branches can never have the same IFSC code. The IFSC code is explicitly designed to uniquely identify every single branch in the country for error-free money transfers.
What happens if I enter the wrong IFSC code?
If the IFSC code is invalid, the transaction will fail instantly. If you enter a valid IFSC code belonging to a different branch, but the account number does not match any account in that branch, the transaction will fail and the money will be refunded to your account.
Is IFSC code required for international transfers?
No, IFSC codes are strictly for domestic fund transfers within India (NEFT, RTGS, IMPS). For international transfers, a SWIFT code is required instead.
How can I transfer money using just a mobile number?
You can transfer money using SMS banking or UPI. For SMS banking, you generate an MMID and send a specifically formatted SMS to your bank including the payee's account number and IFSC code.