IFSC Code Finder | Search IFSC Codes for Indian Banks Online
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IFSC குறியீடு மூலம் தேடவும்

விவரங்களைக் காண எந்த கிளையிலும் கிளிக் செய்யவும் -

அல்லது

வங்கி பெயர் மூலம் தேடவும்

விவரங்களைக் காண எந்த கிளையிலும் கிளிக் செய்யவும் -

IFSC Code Finder - Find IFSC Code For All Indian Banks

Locating an IFSC code, which stands for the Indian Financial System Code, is crucial for conducting electronic fund transfers within India. Using an IFSC code locator tool online simplifies the process of finding these unique codes specific to each bank branch. This lookup facility aids individuals in identifying the correct IFSC code required for NEFT, RTGS, or IMPS transactions. The abbreviation of IFSC denotes the code's significance in streamlining and accurately directing financial transactions, ensuring the funds are routed to the intended recipient's bank branch. Engaging in an IFSC code search becomes essential when initiating online transactions or when required to enter an IFSC code for financial purposes.

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என்னIFSC குறியீடு?

IFSC குறியீடு என்பது இந்திய நிதி அமைப்பு குறியீட்டின் சுருக்கமான சுருக்கமாகும். வங்கி காசோலைகள், வங்கி பாஸ்புக்கின் முன்பக்கம் போன்றவற்றில் பொதுவாக நாம் பார்க்கும் 11 இலக்க எண்ணெழுத்து எழுத்து. இது வங்கியின் இணையதளத்திலும் கிடைக்கிறது.

முக்கியத்துவம் IFSC குறியீடு

RTGS, NEFT மற்றும் IMPS மூலம் செய்யப்படும் ஆன்லைன் நிதி பரிவர்த்தனைகளுக்கு இது பயன்படுத்தப்படுகிறது.

வங்கியின் ஒவ்வொரு கிளைக்கும் IFSC குறியீடு இந்திய ரிசர்வ் வங்கியால் ஒதுக்கப்பட்டுள்ளது. எனவே வங்கியின் ஒவ்வொரு கிளையும் தன்னை அடையாளப்படுத்த ஒரு தனித்துவமான குறியீட்டைக் கொண்டுள்ளது, இது ஆன்லைன் பரிவர்த்தனைகளை எளிதாக்குகிறது.

IFSC குறியீடு முழு நிதி பரிமாற்ற செயல்முறையிலும் எந்த முரண்பாடுகளையும் நீக்க உதவுகிறது

வடிவம் IFSC குறியீடு

IFSC குறியீடு என்பது 11 இலக்க எண்ணெழுத்து எழுத்து ஆகும், இதில் முதல் 4 இலக்கங்கள் வங்கியின் பெயரைக் குறிக்கும், அதைத் தொடர்ந்து பூஜ்ஜியம் மற்றும் கடைசி ஆறு இலக்கங்கள் வங்கிக் கிளைக் குறியீட்டைக் குறிக்கும் எண் அல்லது எழுத்துக்களாக இருக்கலாம்.

 

AAAAA          _cc781905-5cde-3194 -bb3b-136bad5cf58d_ 0        AA1234

வங்கியின் பெயர்   Zero   _cc781905-5cde-3194-bb6bd_b5

IFSC Code Format

எப்படி தேடுவது IFSC குறியீடு?

நீங்கள் IFSC குறியீட்டை இரண்டு வழிகளில் தேடலாம் -

1. IFSC குறியீட்டை உள்ளிட்டு வங்கி விவரங்களைப் பெறவும்.

2. வங்கியின் பெயர், மாநிலம்,  ஐ உள்ளிட்டு, தேடலைக் கிளிக் செய்தால், அந்த மாநிலத்தில் உள்ள வங்கிகளின் கிளைகளுடன் அவற்றின் அட்டவணை உங்களுக்குக் காண்பிக்கப்படும். வங்கியின் விவரங்களைப் பார்க்க எந்த கிளையிலும் கிளிக் செய்யவும்.

What Is MICR Code ?

MICR, or Magnetic Ink Character Recognition, is a 9-digit code used by banks for faster processing of cheques. This code is placed at the bottom of a cheque and helps in identifying the bank & branch participating in ECS. (Electronic Clearing System)

 

Mainly, the MICR code is used to clear and verify the cheques deposited in machines.

 

MICR Code Format

Out of nine digits in the MICR code,

  • The first three digits represent the specific city,

  • The next three digits represent the specific bank code, and

  • The final three digits represent the bank branch code.

 

Purpose of MICR Code

  • Automated Check Processing: MICR allows for automated processing and clearance of cheques and other documents. The code is printed on the cheque's bottom in a special magnetic ink, which MICR readers and sorting machines can easily read.

 

  • Efficiency: When a cheque is deposited at the bank, the MICR reader can quickly and accurately capture the MICR code information. This enhances efficiency for cheque processing and allows for swift sorting, routing, and clearing through the banking system.

 

  • Minimize Errors: MICR reduces the likelihood of errors in cheque processing as they are printed in a standardized format that is less susceptible to misinterpretation or misreading.

 

  • Standardization: These codes are standardized, which means the format and character set used in the code are consistent across all banks. This standardization simplifies the cheque handling across different banks and financial institutions.​

How To Find IFSC and MICR Codes on a Bank Cheque

Cheque representing IFSC and MICR Code

Find The IFSC Code in a Bank Cheque

The IFSC code is 11 characters long. It is usually found on the cheque, either to the right of the branch information or at the bottom, below the account number. Check the above image that displays the location of the IFSC code.

Find The MICR Code in a Bank Cheque

 The MICR code is a series of numbers displayed next to the cheque number. Both of these are printed in a unique font and located at the bottom of the cheque (as shown in the above image). 

How Can You Transfer Money Online Using the IFSC Code?

For individuals needing to enter an IFSC code during online transactions or fund transfers, utilizing an IFSC code lookup service simplifies the process. This service allows users to enter an IFSC code accurately, ensuring the swift and secure transfer of funds between banks. The abbreviation of IFSC signifies its role as a standardized banking identifier essential for routing funds to the correct bank branches across India. Whether it's for personal or business transactions, having access to an accurate IFSC code locator and understanding the importance of the IFSC abbreviation streamlines financial transactions and contributes to a seamless banking experience.

There are three ways to transfer funds using electronic fund transfer modes, including NEFT, RTGS, and IMPS.

 

Entities can use these electronic transfer systems to transfer funds from one account to another easily.

 

➔NEFT (National Electronic Fund Transfer)

It is the most widely used method for transferring funds from one bank account to another. NEFT is based on a deferred arrangement, which means all the transactions are settled in a batch-wise format. Currently, there are 12 payment settlements arranged between 8 AM & 7 PM for Monday to Friday. On the other hand, six payment settlements were arranged between 8 AM & 1 PM on Saturdays.

 

Simply put, these electronic transfer methods make it simple for individuals to transfer funds between accounts. 

 

➔RTGS (Real Time Gross Settlement)

RTGS are used for high-value fund transactions and are immediately cleared. Just as the name suggests, 'Real Time' (transactions happen instantly). RTGS services procedure is the same as NEFT. All you need is the account number, the transaction amount, the payee's name, and the IFSC code.  Also, these transactions are free in case of online transfer, but if it is done through a bank branch, a charge of ₹ 15+GST is levied.

 

➔IMPS (Immediate Payment Service)

IMPS was introduced by the National Payments Corporation of India in 2010. Since then, it has gained immense popularity because it allows for instant fund service that works round the clock. 

 

It is very safe, fast, economical, and has no upper limit in terms of the maximum amount that can be transferred. Also, there is no need to register separately for this service. When you log in to your net banking account, you will find the option of IMPS to carry out fund transfers. 

 

The payee's name, the IFSC code, the account number, and the transaction amount are necessary in this case to complete the transfer. Also, if you are the mobile app of your bank, an MMID (Mobile Money Identifier) code is needed.

How To Transfer Money with IFSC Code of Bank Account?

Online money transfers have become easier and hassle-free with the use of the IFSC code. Now, let’s understand with an example how IFSC works while transferring money.

 

The IFSC code of SBI, DLF Phase IV, Gurugram is SBIN0070695.

 

Here are the key takeaways:

 

  • The first four digits identify the bank name, which is SBI Bank.

  • The 5th character is zero.

  • The remaining six characters identify the bank branch.

 

 When an individual initiates the fund transfer, they are required to provide the payee’s bank account number and IFSC. Once all the information is provided, the fund will transfer to the beneficiary account. The process is smooth and will take only a few minutes from the time of initiation.

How To e-transfer Funds?

Below are the simple steps to e-transfer funds that will save you from the trouble of going to the bank and standing in a queue.

  • Firstly, you must register for the bank’s net banking services to e-transfer funds from your account to another account.

  • Next, register the recipient account as a third-party transaction beneficiary for transferring funds to their account anytime.

Registering or obtaining an IFSC code online involves accessing authorized banking platforms or websites that provide comprehensive databases of IFSC codes for various bank branches. This registration process may entail entering specific bank details or utilizing an IFSC code search feature to acquire the necessary code for electronic fund transfers. The abbreviation of IFSC emphasizes the code's importance in enabling secure and efficient online transactions, facilitating seamless interbank transfers across the country. Individuals often enter the IFSC code while conducting online transactions, ensuring accuracy and precision in directing funds to the designated bank branch.

How To Transfer Funds Through UPI?

Regulated by the National Payment Corporation of India (NPCI), UPI is an instant payment system that operates over IMPS infrastructure. It allows instant money transfers between any two bank accounts. For that, you must register by creating a 4 to 6-digit UPI (Personal Identification Number) pin.

 

The major benefit of UPI fund transfer is that it allows you to transfer money anytime, irrespective of the bank’s working hours.

Different Methods of Fund Transfer Through App & SMS With IFSC Code

Below are the two different methods of transferring funds with the help of the IFSC code.

➔Through App

Nowadays, everybody is using a smartphone and leveraging the benefits of different apps. Most banks’ app is available on Google Play and Apple App Store that are used to initiate fund transfer seamlessly. All you need to do is follow the below steps to transfer money through a particular app. 

 

  • First, an active net banking system is required for your account.

  • Download the net banking app and enter the login pin or credentials.

  • Select from the various options for third-party transfer, such as:

  • Between My Accounts

  • Within Bank

  • Instant fund transfer to another bank-IMPS

  • To another bank-NEFT

  • Via Visa card or Special Payment

 

  • Choose the NEFT option from the above.

  • If you haven't added the beneficiary, do that by entering their name, bank account number, and IFSC code of the bank branch.

  • As soon as you complete the registration, It will take around 5 minutes-12 hours to activate the beneficiary account.

  • Once the beneficiary account gets linked, you can transfer money instantly through your account to their account.

 

➔Through SMS

 

  • You need to link your mobile number to your bank account for transferring funds through SMS. For that, fill out the form with all the required details.

  • Once you are done with filing, you will receive a starter kit, which includes a unique 7-digit number i.e., mPIN & MMID. 

  • Then, you have to create an SMS and type IMPS along with the beneficiary name, account number, IFSC code, & transaction amount.

  • Following this, you will get a confirmation message where you have to enter the mPin.

  • Finally, press OK, and the funds will get transferred to the beneficiary account. 

What Is The Difference Between the IFSC Code, MICR Code & Swift Codes?

Difference between IFSC code, MICR code and Swift Code

Frequently Asked Questions (FAQs)

1. What is the IFSC code and its importance?

IFSC code is an alphanumeric 11-digit code used to identify all bank branches separately within the National Electronic Funds Transfer (NEFT) network by the Reserve Bank of India.

 

2. Is IFSC code sharing safe?

Yes, you can share your IFSC code to send or receive money through net banking, as it is the mandatory detail for the fund transfer.

 

3. What will happen if someone uses the wrong IFSC code?

If the remitter enters an incorrect IFSC code while making a fund transfer, money from the remitter’s account will be debited but will not be credited to the beneficiary's account because of the wrong IFSC. So, there is no to worry about anything just submit an application at the bank branch with bank details and transaction ID.

 

4. Is Swift Code & IFSC code the same?

No, these codes are not the same. IFSC Code is used in the case of nationwide interbank fund transfers. On the other hand, the SWIFT Code is used when funds transfer takes place internationally.

 

5. How can I identify the bank name from the IFSC Code?

You can identify the bank name by the first four characters of the code. For instance, in the code PUNB0112000, it is clearly visible that this IFSC code is of Punjab National Bank.

 

6. How many digits are there in the IFSC code, and where is it located?

There are 11 digits, and you will find it at the top part of every cheque or near the bank branch address.

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What is IFSC?
Importance of IFSC Code
IFSC Code Format
How to Seach IFSC Code
What is MICR Code?
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