IFSC Code Finder - Bank Branch & MICR Details Online

IFSC Code Finder: Complete Indian Bank Branch & MICR Directory

In India's modern digital banking ecosystem, all electronic fund transfers—including NEFT (National Electronic Funds Transfer), RTGS (Real Time Gross Settlement), IMPS (Immediate Payment Service), and UPI (Unified Payments Interface)—require an accurate IFSC (Indian Financial System Code).

The EtoolMitra IFSC Code Finder provides a real-time, comprehensive directory of over 1,50,000+ bank branches across India. Whether you need the IFSC code for State Bank of India (SBI), HDFC Bank, ICICI Bank, Punjab National Bank (PNB), Bank of Baroda, Axis Bank, or any cooperative or regional rural bank, our tool delivers instant verification of branch addresses, MICR codes, and payment capabilities.

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What is an IFSC Code?

An IFSC is an 11-character alphanumeric code assigned by the Reserve Bank of India (RBI) to uniquely identify every bank branch participating in national clearing systems.

AAAA 0 BBBBBB

 │   │   │

 │   │   └── 6-character Branch Code (Alphanumeric identifier of the branch)

 │   └────── 5th Character is ALWAYS the digit '0' (Reserved for future expansion)

 └────────── 4-letter Bank Code (e.g., SBIN = State Bank of India, PUNB = PNB)

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Structure of an IFSC Code (Example: HDFC0000060)

• HDFC: First 4 letters identify the bank (HDFC Bank).
• 0: The 5th character is always zero.
• 000060: The last 6 characters identify the specific Fort, Mumbai branch.

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Difference Between IFSC and MICR Code

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Fund Transfer Modes Explained (NEFT vs RTGS vs IMPS vs UPI)

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Frequently Asked Questions (FAQ)

What happens if I enter the wrong IFSC code during a transfer?

If the account number and beneficiary name do not match the branch records corresponding to that IFSC code, the transfer is automatically rejected and the funds are refunded to your account within 2 to 24 working hours.

Is the IFSC code the same for all branches of a bank in the same city?

No! Every individual physical branch has a distinct, unique IFSC code. However, codes ending in 000001 or primary head offices often serve as central clearing hubs for corporate accounts.

Where can I find my bank's IFSC code offline?

Your IFSC code is clearly printed on the top-left or top-right of every cheque leaf and on the first page of your official bank account passbook.