What is an IFSC Code?

Indian Financial System Code (IFSC) is a unique 11-character code allocated by the Reserve Bank of India (RBI) to bank branches that participate in electronic fund transfer systems such as RTGS (Real-Time Gross Settlement), NEFT (National Electronic Fund Transfer), and IMPS (Immediate Payment Service).

IFSC format (overview)
- The code is 11 characters: four letters (usually the bank identifier), a reserved fifth character (0), and six characters identifying the branch.
- You need the correct IFSC so money is credited to the intended branch and account.
Where IFSC is used
- Account-based transfers through net banking or mobile banking (NEFT, RTGS, IMPS).
- Some forms and mandates may ask for IFSC along with account number and beneficiary name.
Note: Always verify IFSC and account details on your bank’s official channels before high-value transfers. Compare transfer modes: NEFT, RTGS, and IMPS.

Look up a branch IFSC on TRACKBANKIFSC.COM via IFSC code search or our bank list.

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Quick facts

IFSC is 11 characters; MICR is 9 digits. Use NEFT/RTGS/IMPS with the correct IFSC; verify large transfers on the bank’s official site.

What is IFSC? · NEFT · RTGS · IMPS

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