About IFSC Code

IFSC is Indian Financial System Code and represents the 11-digit character "Alpha Numeric” that developed by Reserve Bank of India (RBI). This 11-character code helps identify the individual bank branches that participate in the various online money transfer options like NEFT, IMPS, CFMS and RTGS.

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About IFSC Code

IFSC Codes in India

The Indian Financial System Code (IFS Code or IFSC) is an alphanumeric code that facilitates electronic funds transfer in India. A code uniquely identifies each bank branch participating in the two main Payment and settlement systems in India: the Real Time Gross Settlement (RTGS) and the National Electronic Fund Transfer (NEFT) systems


The IFSC is an 11-character code with the first four alphabetic characters representing the bank name, and the last six characters (usually numeric, but can be alphabetic) representing the branch. The fifth character is 0 (zero) and reserved for future use. Bank IFS Code is used by the NEFT & RTGS systems to route the messages to the destination banks/branches. The format of the IFS Code is shown below .

For Example: - HDFC0001234

IFSC Code of HDFC Bank starts with letters ‘HDFC’. As there are a lot of banks with several branches, the IFSC code is used to identify the branch involved in the transaction.

How does IFSC CODE work

Electronic funds transfer in India is facilitated by an alpha-numeric code called the Indian Financial System Code (IFS Code or IFSC). This code Exclusively recognizes each bank branch which participates in the two main settlement and payment systems in India, namely, National Electronic Funds Transfer (NEFT) and Real Time Gross Settlement (RTGS).

IFSC code is an eleven-character code that is assigned by the Reserve Bank of India (RBI). The first portion of the code is composed of four letters representing the bank. Next character is zero that is reserved for future use. The last 6 characters are the identification code of the branch.

How to find IFSC Code?

IFSC code can be found on cheque leaf and bank passbook of the respective bank. Banks and respective branch list of IFSC codes can be obtained from Reserve Bank of India’s website and the banks’ official website.

Benefits of IFSC Code

Helps to identify a Bank and its respective branch , Eliminates errors in the process of fund transfer , and we can Transfers done with IFSC such as NEFT, RTGS and IMPS are accurate,