IFSC Code & Bank Branch Finder (NEFT, RTGS, IMPS & UPI)
Find 11-character IFSC codes and branch details for all banks in India (SBI, HDFC, ICICI, PNB, Canara). Instant lookup by bank name, state, district, and branch. Verified for NEFT, RTGS, IMPS, and UPI wire transfers. 100% private.
IFSC Code & Bank Branch Finder
NEFT • RTGS • IMPSInstant IFSC search across 40+ Indian banks with printable bank transfer and NEFT mandate vouchers.
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Key Technical Features & Architecture
Verified format compliance with the mandatory 5th-character zero rule across all scheduled commercial banks.
Rapid hierarchical search: Select Bank Name to State to District to Branch Location in under 5 seconds.
Your banking queries, branch searches, and wire transfer lookups are executed in local memory without server logging.
Reserve Bank of India (RBI) Bank Identification Code Standards
Authoritative standards, formatting thresholds, and official regulatory guidelines:
| Code Identifier | Character Length & Structure | Transfer Protocol Supported |
|---|---|---|
| IFSC (Indian Financial System Code) | 11 alphanumeric characters (e.g. SBIN0001234) | NEFT, RTGS, IMPS, and UPI routing |
| Characters 1 to 4 | 4-letter alphabetical bank prefix (e.g. HDFC, ICIC) | Identifies the parent banking corporation |
| Character 5 | Always the single digit "0" (Numeric Zero) | Reserved for future control and branch indexing |
| Characters 6 to 11 | 6 alphanumeric characters defining exact branch | Identifies the specific physical branch office |
| MICR (Magnetic Ink Character Recognition) | 9 numeric digits printed on cheque footer | Automated cheque clearing through RBI ECS/CTS |
| SWIFT / BIC Code | 8 or 11 characters (e.g. SBININBBXXX) | International overseas cross-border wire transfers |
How to Find Any Bank IFSC Code in 5 Steps
Follow this verified 5-step process for instant compliance and verified results:
Select Bank Name
Choose from SBI, HDFC, ICICI, Punjab National Bank, Canara Bank, Bank of Baroda, and 200+ banks.
Choose State & Territory
Select the Indian state or Union Territory where the branch is physically located.
Select District & Town
Pick the target revenue district or metropolitan city jurisdiction.
Select Branch Location
Pick the exact branch name or locality address from the filtered dropdown list.
Copy Verified IFSC Code
1-click copy the 11-character IFSC code, MICR code, branch address, and contact phone numbers.
Common IFSC Wire Transfer Errors & Fund Delays
Avoid common formatting errors, legal omissions, and calculation pitfalls:
Typing Letter O as the 5th Character
The 5th character of every valid IFSC is mathematically required to be the numeric zero (0). Typing the English letter "O" causes banking apps to reject the beneficiary code immediately.
Using Old IFSC of Merged Banks
Following major public sector bank mergers (e.g., Andhra Bank/Corporation Bank into Union Bank; Syndicate Bank into Canara Bank), legacy IFSC codes were permanently deactivated. Always use the updated anchor bank IFSC.
Transposing Digits in Branch Code
Entering a different branch IFSC under the same bank may still route the payment in core banking, but can cause multi-day reconciliation holds for RTGS and large enterprise transfers.
Pasting 9-Digit MICR into Wire Transfer Forms
MICR is a 9-digit numeric code used solely for physical paper cheque sorting. Electronic transfers (NEFT/RTGS/IMPS) strictly require the 11-character alphanumeric IFSC.
Frequently Asked Questions
Comprehensive technical, legal, and operational answers
Q1.What is an IFSC code and why is it required?
The Indian Financial System Code (IFSC) is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch participating in electronic payment networks like NEFT, RTGS, IMPS, and UPI.
Q2.What does the 5th character in an IFSC code mean?
Under RBI specifications, the 5th character of every Indian IFSC code is permanently fixed as the number zero ("0"). It is reserved for future routing protocols and never contains an alphabetical letter.
Q3.Where can I find the IFSC code on a bank cheque book?
The IFSC code is printed prominently on the top-left or top-center portion of every bank cheque leaf, alongside the bank branch address and customer care contact numbers.
Q4.What are the minimum and maximum transfer limits for NEFT, RTGS, and IMPS?
NEFT has no minimum limit and operates 24x7 in half-hourly batches. RTGS has a minimum transfer requirement of Rs 2,00,000 for gross settlement. IMPS allows instant 24x7 transfers up to Rs 5,00,000 per transaction.
Q5.What happened to IFSC codes of banks that merged in recent years?
All legacy IFSC codes of merged banks (e.g., Allahabad Bank, Oriental Bank of Commerce, United Bank of India, Dena Bank, Vijaya Bank) were discontinued by RBI. Account holders must use the new assigned IFSC of their parent anchor bank.
Q6.What is the difference between an IFSC code and a MICR code?
IFSC is an 11-character alphanumeric code used for digital online fund transfers (NEFT/RTGS). MICR is a 9-digit numeric code printed with magnetic ink at the bottom of cheque leaves for optical cheque clearing.
Q7.Is my bank search query or financial activity tracked on Kagazo?
No. All branch lookups and database queries execute in client-side memory. No bank selections, searches, or account associations are logged or tracked on external servers.
Q8.Can I initiate an international wire transfer using only an IFSC code?
No. IFSC is strictly for domestic fund transfers within India. For international inward wire transfers from abroad, foreign banks require the SWIFT / BIC code of your Indian bank along with your account number.
Q9.Can a single bank branch have multiple IFSC codes?
Generally, each physical branch has exactly one primary IFSC. However, specialized administrative desks within the same building (such as Treasury, Forex, or Clearing Hubs) may carry separate assigned sub-codes.
Q10.What happens if I enter the correct account number but the wrong IFSC code?
Under RBI guidelines, credit is determined primarily by the beneficiary account number. However, if the IFSC belongs to a completely different bank, the transaction is rejected and refunded within 2 to 4 business hours.