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RBI-Compliant Master Database • NEFT, RTGS & IMPS

IFSC Code & Bank Branch Finder (2025/2026 RBI Directory)

Find IFSC codes, MICR codes, branch addresses, and electronic transfer eligibility for all public and private commercial banks in India.

Format: 4 letters (Bank) + 0 (Fifth char) + 6 characters (Branch)
Popular Bank Benchmarks:

Major Indian Bank IFSC Prefixes (First 4 Letters)

Cheat sheet of standard 4-letter prefixes for leading Indian banking institutions

Prefix Bank Name Headquarters
SBIN State Bank of India (SBI) Mumbai, Maharashtra
HDFC HDFC Bank Mumbai, Maharashtra
ICIC ICICI Bank Vadodara / Mumbai
PUNB Punjab National Bank New Delhi
BARB Bank of Baroda Vadodara, Gujarat
UTIB Axis Bank Mumbai, Maharashtra
CNRB Canara Bank Bengaluru, Karnataka
KKBK Kotak Mahindra Bank Mumbai, Maharashtra

How an 11-Character IFSC Code Is Structured

Every IFSC code issued by the Reserve Bank of India follows an unchangeable 11-character structure:

SBIN0000300
First 4 Characters: Unique bank code (e.g. SBIN for State Bank of India).
5th Character: Always the digit 0 (zero), reserved for future expansion.
Last 6 Characters: Specific branch code identifying the branch location.

Payment Modes: NEFT vs. RTGS vs. IMPS

Feature NEFT RTGS IMPS
Settlement Speed Half-hourly batches Real-time gross Instant (within seconds)
Minimum Limit ₹1 (No minimum) ₹2,00,000 (₹2 Lakh) ₹1 (No minimum)
Operating Hours 24×7×365 24×7×365 24×7×365

Frequently Asked Questions

Where can I find my bank's IFSC code on a cheque book? ▼

On standard CTS-2010 cheque leaves, your 11-character IFSC code is printed either at the top left corner (under the bank's logo) or directly above the account number box alongside the branch contact address.

Did my IFSC code change after bank mergers? ▼

Yes. Following the major public sector bank mergers (e.g. Syndicate Bank merging into Canara Bank, Allahabad Bank into Indian Bank, Oriental Bank/United Bank into PNB), old IFSC codes were permanently discontinued. Customers must use the newly mapped IFSC code of the anchor bank for all transactions.

Branch Verification ✓ Verified Branch
BANK NAME

State Bank of India

Mumbai Main Branch
IFSC CODE SBIN0000300
MICR CODE 400002010
BRANCH ADDRESS

Mumbai Main Branch, Horniman Circle, Fort, Mumbai - 400001

City: Mumbai State: Maharashtra
Electronic Transfer Support:
NEFT: ✓
RTGS: ✓
IMPS: ✓
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Reserve Bank of India (RBI) Payment Infrastructure

How Indian Financial System Codes (IFSC) & MICR Routing Work

The Indian Financial System Code (IFSC) is a unique 11-character alphanumeric code monitored by the Reserve Bank of India (RBI) to uniquely identify bank branches participating in electronic payment and settlement networks—including NEFT, RTGS, and IMPS.

RBI Statutory IFSC Code Formulation Payment and Settlement Systems Act 2007

Mathematical Derivation & Variable Explanations: The 11-character alphanumeric IFSC follows an immutable statutory three-part structure.

  • Standard 11-Character IFSC Structural Decomposition:
    $$\text{IFSC} = \underbrace{\text{CCCC}}_{\text{Bank Code (4 Letters)}} - \underbrace{0}_{\text{Control Zero (Numeric)}} - \underbrace{\text{BBBBBB}}_{\text{Branch Identifier (6 Alphanumeric)}}$$
    Characters 1–4 represent the bank name abbreviation (e.g. `SBIN` = State Bank of India, `HDFC` = HDFC Bank, `ICIC` = ICICI Bank, `PUNB` = Punjab National Bank). Character 5 is universally reserved as numerical digit '0' for future interbank routing expansion. Characters 6–11 uniquely designate the specific physical bank branch.
  • MICR (Magnetic Ink Character Recognition) 9-Digit System: Used for physical cheque processing under the Cheque Truncation System (CTS-2010):
    $$\text{MICR} = \underbrace{\text{CCC}}_{\text{City Code (3 Digits)}} \ \underbrace{\text{BBB}}_{\text{Bank Code (3 Digits)}} \ \underbrace{\text{SSS}}_{\text{Branch Code (3 Digits)}}$$
    The City Code corresponds to the first three digits of the postal PIN code (e.g. 400 for Mumbai, 110 for Delhi, 560 for Bengaluru).
  • Electronic Payment System Routing Protocols:
    • NEFT: Settles in half-hourly batches 24x7x365 across all scheduled commercial banks.
    • RTGS: Continuous, gross real-time settlement for high-value transactions ($\ge ₹2,00,000$).
    • IMPS: Managed by NPCI for instant retail bank transfers up to ₹5,00,000.
  • NACH Mandate & Aadhaar Payment Bridge (APBS) Architecture: In addition to NEFT and RTGS, bank IFSC codes serve as the primary routing directory for the National Automated Clearing House (NACH) operated by NPCI for recurring electronic debit mandates (SIPs, EMIs, utility bills). Sub-member cooperative and regional rural banks (RRBs) are routed through designated sponsor banks utilizing sub-clearing IFSC prefixes assigned by the RBI.
  • CTS-2010 Cheque Routing & Settlement Timeframes: Physical cheques are electronically digitized and sorted via the 9-digit MICR code under CTS-2010 grid centers (Northern Grid New Delhi, Western Grid Mumbai, Southern Grid Chennai). While CTS cheque clearing follows a T+1 business day cycle, IFSC-based NEFT operates 24x7 in 48 half-hourly batches, and RTGS provides gross real-time credit within minutes.
  • Bank Mergers & Consolidation Recalibration: Mega-mergers orchestrated by the Ministry of Finance (e.g. Allahabad Bank into Indian Bank, Syndicate Bank into Canara Bank, Andhra Bank into Union Bank) invalidated legacy IFSC codes, replacing them with parent bank IFSC prefixes.

Realistic Solved IFSC Code Decoding Scenarios (2025/2026)

Scenario 1: SBI Mumbai Main Branch
Decoding IFSC SBIN0000300 for corporate RTGS settlement.
Bank Code (1–4):SBIN (State Bank of India)
Control Digit (5):0
Branch Code (6–11):000300 (Horniman Circle)
Status:Valid RTGS/NEFT Participant
Scenario 2: HDFC Bank Bengaluru Branch
Decoding IFSC HDFC0000053 for salary account direct deposit.
Bank Code:HDFC (HDFC Bank)
Branch Location:Kasturba Road, Bengaluru
MICR Code:560240002
IMPS Capability:24x7 Instant Routing Enabled
Scenario 3: Post-Merger Legacy Code Update
Legacy Corporation Bank branch now operating under Union Bank of India.
Old Legacy Code:CORP0000001 (Invalid)
New Active Code:UBIN0900010
Settlement Safety:Prevents NEFT Reversal
Verification:Verified against RBI Master List

Interbank Electronic Payment Systems Routing Matrix

Payment System Managing Entity Minimum Transaction Maximum Transaction Settlement Speed Mandatory Routing Key
NEETRBI₹1No LimitHalf-hourly batches (24x7)11-Digit IFSC
RTGSRBI₹2,00,000No LimitReal-Time Gross Settlement11-Digit IFSC
IMPSNPCI₹1₹5,00,000Instant (Sub-second)IFSC + Account or MMID
UPINPCI₹1₹1,00,000 – ₹5,00,000Instant (Sub-second)Virtual Payment Address (VPA)
CTS ChequeNPCI / RBI₹1No LimitT+1 Business Day9-Digit MICR Code

Frequently Asked Questions (IFSC Codes & Banking)

What does each part of an 11-character IFSC code signify?

The first 4 characters are alphabetic and represent the bank name. The 5th character is always the numeric digit '0' (reserved for future use). The remaining 6 characters (digits or letters) uniquely identify the specific bank branch.

What happens if I enter an incorrect IFSC code during a fund transfer?

If the IFSC code does not match any valid RBI bank branch, the transaction is rejected immediately. If the IFSC belongs to another branch of the same bank, funds will generally credit based on the unique account number, though delays may occur.

What is the difference between an IFSC code and a MICR code?

An IFSC (11 characters) is used for electronic digital fund transfers (NEFT, RTGS, IMPS). A MICR code (9 digits) is printed with magnetic ink on the bottom of physical cheques to facilitate automated optical sorting under the Cheque Truncation System (CTS).

Did my IFSC code change after public sector bank mergers?

Yes. If your bank was merged (such as Dena Bank and Vijaya Bank into Bank of Baroda, or Oriental Bank of Commerce into PNB), your old legacy IFSC code was decommissioned by the RBI. You must use the new assigned IFSC for all incoming transfers.

Where can I find the IFSC code of my branch?

You can find your branch IFSC code printed on the first page of your physical bank passbook, on the top-left corner of your cheque leaves, in your mobile banking app profile, or by using our verified lookup tool.

Are my bank account numbers or branch searches saved on your servers?

No. BuyWiseHub operates with 100% client-side privacy. All IFSC branch lookups, MICR queries, and bank verifications execute entirely within your local browser memory via JavaScript. Zero account numbers or branch searches are transmitted, logged, or stored on our servers.