Find IFSC Codes Instantly by Bank, State & Branch

An IFSC code, or Indian Financial System Code, is a unique identifier assigned to each bank branch in India. It is used when making electronic money transfers like NEFT, RTGS, and IMPS. Think of it like a postal pin code — but for your bank branch.

The IFSC code is issued by the Reserve Bank of India (RBI) and ensures that your money reaches the correct bank branch during an online transaction. Without it, the transaction might fail or go to the wrong branch. That’s why getting the IFSC code right is extremely important when transferring money online.

How is an IFSC Code Structured?

An IFSC code is always 11 characters long. It has three parts:

• First 4 characters: These represent the bank. For example, SBIN stands for State Bank of India, HDFC for HDFC Bank, and ICIC for ICICI Bank.
• Fifth character: This is always 0. It is reserved for future use and doesn’t carry any other meaning for now.
• Last 6 characters: These identify the specific branch of the bank. It can be numbers, letters, or a combination.

For example, the IFSC code SBIN0000456 breaks down as:

• SBIN → State Bank of India
• 0 → Reserved
• 000456 → Branch identifier

Every bank branch has a unique IFSC code. Even if two branches belong to the same bank, their IFSC codes will be different.

Why Are IFSC Codes Important?

With the rise of internet banking, UPI, and cashless payments, IFSC codes play a major role in India’s digital economy. Here’s why they matter:

• They enable instant fund transfers through NEFT, RTGS, and IMPS systems
• They reduce errors by ensuring money reaches the correct branch
• They’re mandatory for salary disbursements, loan repayments, government subsidies, and refunds
• They are used by banks, businesses, and fintech platforms for settlements and reconciliations

Without an IFSC code, no digital fund transfer can happen between two Indian bank accounts. It’s the backbone of India’s online banking system.

When Do You Need to Use an IFSC Code?

You’ll be asked for an IFSC code whenever you do any of the following:

• Add a beneficiary in your online banking portal
• Transfer money via NEFT, RTGS, or IMPS
• Receive refunds or insurance payouts
• Submit bank details to your employer or government agencies
• Set up EMI auto-debit for loans or credit cards

Basically, if you're doing anything that involves moving money between accounts, IFSC is involved.

Where Can You Find Your IFSC Code?

Finding your IFSC code is easier than ever. Here are the most reliable places to look:

• Bank passbook: Most Indian banks print the IFSC code on the first page of your passbook along with your account number and branch details.
• Cheque book: IFSC is usually printed near the top or bottom of each cheque leaf.
• Bank’s official website: Most banks allow you to search for IFSC using branch name or location.
• RBI’s official directory: The Reserve Bank of India maintains a full list of IFSC codes across all Indian banks and branches.
• GetCredit IFSC Finder: Use our Search Tool to quickly locate any bank’s IFSC code by name, branch, or city.

For example, to find the IFSC code of HDFC’s Connaught Place branch in Delhi, you can simply search “HDFC Connaught Place Delhi IFSC” on GetCredit.

Examples of IFSC Codes from Major Banks

Here are a few real IFSC codes used by popular Indian banks:

• SBIN0000691 – SBI Parliament Street, New Delhi
• HDFC0000003 – HDFC Fort Branch, Mumbai
• ICIC0000001 – ICICI Nariman Point, Mumbai
• KKBK0000172 – Kotak Mahindra, Bangalore
• YESB0000001 – Yes Bank, Mumbai

Every branch has a different code, so even two HDFC branches in the same city will have separate IFSCs. That’s why verifying the correct code before making a transfer is crucial.

What If You Use the Wrong IFSC Code?

If you accidentally enter an incorrect IFSC code, here’s what can happen:

• If the account number is correct but the IFSC is wrong, most banks will reject the transaction.
• If both IFSC and account number match a real branch (though rare), the money could go to the wrong person.
• If the IFSC is outdated due to a bank merger, the transfer might fail unless the bank has mapped the new code internally.

To stay safe, always confirm the IFSC code with the bank or use a trusted tool like GetCredit.

How Are IFSC Codes Assigned?

The Reserve Bank of India (RBI) is the authority that regulates and assigns IFSC codes to all licensed banks in India. Whenever a new branch is opened, the bank requests the RBI to allocate a unique IFSC code for that location.

Banks are responsible for maintaining updated lists of their IFSC codes. The RBI also publishes a master file on its website which is regularly updated with new or modified codes.

Do IFSC Codes Ever Change?

Yes, IFSC codes can change due to reasons such as:

• Bank mergers or acquisitions
• Branch relocations or closures
• Rebranding or digital restructuring of a bank

For example, when Andhra Bank and Corporation Bank were merged into Union Bank of India, the IFSC codes of thousands of branches were updated. Customers were notified and instructed to use the new IFSC going forward.

💡 Tip: If you’re unsure whether your IFSC code is still valid, check with your bank or search it on GetCredit.

How is IFSC Code Different from MICR, SWIFT, and UPI?

While all these codes are used in banking and financial transactions, they serve very different purposes. Let’s break them down:

1. IFSC Code

• Used only for domestic Indian transfers via NEFT, RTGS, IMPS
• Identifies bank branches in India
• Required when sending money to a bank account online

2. MICR Code

• Stands for Magnetic Ink Character Recognition
• A 9-digit code used for processing physical cheques
• Found at the bottom of cheque leaves
• Helps banks sort and clear cheques faster

3. SWIFT Code

• Stands for Society for Worldwide Interbank Financial Telecommunication
• Used for international transfers between banks
• Usually 8–11 characters long
• Example: SBININBB (for SBI international transfers)

4. UPI ID

• Stands for Unified Payments Interface
• Virtual payment address used for mobile transactions
• Example: raj123@oksbi
• Maps to your bank account but doesn’t require IFSC or account number

In short, IFSC and MICR are branch-level codes for domestic use. SWIFT is for international money transfers. UPI is for mobile and app-based peer-to-peer transfers in India.

Is IFSC Still Used with UPI?

Technically, yes — but not directly by the user. When you send money via UPI, the app uses your Virtual Payment Address (VPA), but in the background, your bank still references the IFSC to route the transaction. So, while UPI hides it from you, IFSC is still a key part of the infrastructure.

What Happens to IFSC Codes During Bank Mergers?

When banks merge, their old IFSC codes often become invalid and new ones are issued. This happened during major consolidations like:

• SBI + Associate Banks: Codes for branches of State Bank of Mysore, Hyderabad, and others were updated under SBI
• Bank of Baroda + Dena + Vijaya: New codes were rolled out after the merger
• Union Bank + Andhra + Corporation: IFSC codes were changed for thousands of branches

Usually, your bank will notify you via SMS or email. But it’s a good idea to verify the code manually before transferring money — especially if you haven’t used that account in a while.

Frequently Asked Questions

Can two branches have the same IFSC code?

No. Each branch has its own unique IFSC code, even if they're in the same city or under the same bank.

What if I forget my IFSC code?

No problem — you can check your passbook, cheque book, bank’s website, or use the GetCredit IFSC Finder.

Can I use the same IFSC code for all branches of a bank?

No. Each branch has a distinct IFSC. Don’t guess — always use the correct one.

Is IFSC required for IMPS or only NEFT/RTGS?

Yes, IFSC is required for IMPS as well when you’re sending to a bank account. UPI does not need it explicitly, but the system uses it in the background.

Can IFSC codes expire?

Not exactly, but they can be updated after mergers or RBI restructuring. Old ones may stop working.

What if I use an old IFSC?

Your transfer may fail, or the bank may reroute it internally if they’ve mapped it. But it’s risky — always use the updated code.

Verified IFSC Data with GetCredit

Manually checking IFSC codes can be tedious, especially with frequent changes from mergers and branch updates. That’s why GetCredit brings you a fast, accurate, and always updated IFSC directory — sourced from verified RBI records and bank APIs.

• ✅ 150,000+ branches across all banks in India
• ✅ Updated after every RBI notice or merger
• ✅ Smart search by bank, city, state, or IFSC itself

Whether you're a salaried employee setting up salary credits, a business doing vendor payouts, or just someone sending money to family — GetCredit helps you avoid errors and delays.

🏦 Check your IFSC now: Use GetCredit’s IFSC Lookup Tool for instant verification.

Where Is IFSC Used in Real Life?

IFSC codes might seem technical at first glance, but they show up in more places than you think. Here are some real-world examples where you’ll need to use or reference an IFSC code:

• Adding a beneficiary: When you add someone’s account to your net banking portal, you’ll be asked for their IFSC code to link their bank and branch.
• Filing tax returns: The Income Tax portal asks for IFSC when setting up a refund account.
• Receiving your salary: Employers often request IFSC codes along with account details for NEFT salary payouts.
• UPI-linked accounts: When a UPI ID is mapped to a bank account, the IFSC helps determine the correct branch behind the scenes.
• Receiving government benefits: Schemes like PM-KISAN, LPG subsidy, or pension payouts require IFSC for direct bank transfer (DBT).
• Refunds from e-commerce or insurance: If a payment is returned to your bank account, it may rely on IFSC data.
• Loans and EMIs: Setting up an EMI or auto-debit from your account often requires your IFSC code during registration.

Who Uses IFSC Codes Most Frequently?

While every Indian banking customer encounters IFSC codes, some segments depend on them heavily:

• Freelancers & gig workers: To receive client payments across different banks
• HR & payroll teams: For mass salary disbursals every month
• Charity organizations: To distribute aid or refunds efficiently
• Fintech startups: Payment gateways, digital wallets, and BNPL apps use IFSC for fund settlements and payouts

How to Verify an IFSC Code (Safely)

Here’s a step-by-step method to confirm whether an IFSC code is correct:

1. Step 1: Look for the IFSC code on the cheque book, passbook, or bank statement.
2. Step 2: Visit the official website of the bank and go to the “branch locator” or IFSC search tool.
3. Step 3: Cross-check the branch name, address, and code.
4. Step 4: Alternatively, use the RBI’s central IFSC directory.
5. Step 5: For faster lookup, search the IFSC on GetCredit’s IFSC Finder, which includes filters by bank, city, state, and branch.

Avoid using outdated or unofficial third-party sites, especially those that haven’t updated codes after recent bank mergers.

Best Practices for Using IFSC Codes

• ✅ Double-check IFSC before sending large payments
• ✅ Save frequently used IFSC codes in a secure note or password manager
• ✅ Use bank-verified platforms like GetCredit for updated listings
• ✅ Avoid trusting screenshots or messages — always verify
• ❌ Never rely on word of mouth or assumptions between similar branch names

Why GetCredit Is the Smartest Way to Find IFSC

Instead of navigating slow government portals or outdated banking sites, GetCredit gives you:

• Live IFSC lookups from bank directories
• Auto-suggested branches when typing
• Support for searches by bank, city, or even part of a code
• Additional info: MICR, contact info, and location

Whether you're making one transfer or uploading a payout sheet with thousands of entries, GetCredit is fast, reliable, and built for scale.

✅ Save time. Avoid failed payments. Get the right IFSC code.Use GetCredit’s search engine – trusted by thousands across India.