What is IFSC Code?

Indian Financial System Code (IFSC) is a unique 11-digit alphanumeric code assigned by the Reserve Bank of India (RBI) to help identify different bank branches. Usually, the code can be found in the cheque book that has been provided by the bank or it can also be found on the front page of the account holder's passbook. It is required when we transfer money from one bank account to another online like for NEFT (National Electronic Funds Transfer), IMPS (Immediate Payment Service) or RTGS (Real Time Gross Settlement).

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Since, each bank has many branches located at different cities, districts and villages, in order to identify them, a unique code is allotted to each which is called as IFSC Code.
The IFSC code is important because apart from helping to identify a particular bank branch, it also helps to eliminate any discrepancy during the fund transfer process and makes electronic payments easier.
Bank IFSC Code Format

The Indian Financial System Code is a combination of alphabets and numerals, with the first four characters representing the name of the bank. The fifth character is always a zero, and the remaining six characters are either numbers or alphabets that denote the branch code.
When looking for the Indian Financial System Code, take a look at the top of the cheque, it will be clearly written IFSC Code: the name of the branch, followed by a zero, and the rest of the six characters. If you do not have a cheque book with you, you can search the code of any branch by visiting the official website of the bank in particular or call up their helpline. 

Apart from that, you can also look for the IFSC Code on Reserve Bank of India's official website.


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